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Vacancy

📚 Basics

When a property sits empty long enough that coverage narrows or drops. Most policies cut back after 30–60 days vacant.

🎓 Agent note Vacancy provisions bite hard — many perils (vandalism, water, glass) are excluded past the vacancy threshold. Move clients to a vacant/DP form.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.

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