Why Does a Vacant Home Need Homeowners Insurance in Antioch, CA?

Vacant houses still need homeowners insurance in Antioch, CA!

Whether you’re moving home without having sold your house, or you’re leaving your home empty for an extended period, you’ll need to ensure that it’s adequately protected before you leave. Even though insuring your empty home is probably the last thing on your mind, homeowners insurance in Antioch steps in should your home be damaged.

The Threats

An empty home is more likely to receive extensive damage from flooding or fire if no one is there to report the first spark. Additionally, if some troublesome neighborhood teens know that you’re away, they may be more inclined to vandalize the property and loot what they can. Should someone get injured, even if they’re trespassing, you may be held responsible for their medical expenses. In short, your empty home poses more threats than you may have first realized.

Vacant Home Insurance

Your home could be declared vacant if it’s empty for 60 or more days. If you leave your house empty for several weeks, you could potentially void your homeowners insurance coverage. As mentioned earlier, this is because vacant homes are generally at a higher risk for vandalism, theft, weather-related perils and fire. Your current policy premium is based on a lower-risk scenario where your property is occupied.

As soon as you know that you’re going to leave your home unprotected and empty, call your insurer! Adding this task to your ever-growing list of things to do may not be ideal, but it does mean that you can insure your property correctly.

Some basic vacant homeowners insurance can provide coverage for:

  • Named perils (e.g. Fire, explosions, etc.)
  • Vandalism
  • Liability
  • Landlord flexibility
  • Agreed Loss Settlement (Total Loss)
  • Actual Cash Value (Partial Loss)

While you can get an idea of what vacant homeowners insurance in Antioch covers on the web, talk to a trusted industry expert at Jack Stone Insurance Agency to secure the right limit! We serve homeowners in the Antioch, Brentwood, and neighboring cities in California with reliable insurance.

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