Short answer: Most Florida homeowners and landlord policies reduce or remove coverage for vandalism, glass breakage and some water damage once a home has been vacant for a set period, commonly 60 consecutive days. A vacant home policy fills that gap for inherited homes, homes for sale, rentals between tenants and renovations. Nymble Insurance places vacant home coverage in Florida. Call (813) 291-3484.
Vacant vs. unoccupied
Policies usually treat a home with no furnishings and no one living there as vacant, and a furnished home whose owner is away as unoccupied. The policy wording controls, so check the vacancy clause on your declarations and form.
Common situations
- Inherited homes in probate.
- Homes listed for sale after you move.
- Rentals between tenants; see landlord DP-3.
- Renovations; see builders risk.
- Seasonal condos and mobile homes; see condo and mobile home.
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Get Your Free Review →Hurricane season and empty homes
An empty home can sit with storm damage or a slow leak unnoticed. Arrange regular checks, shut off water, and document the home before each season. Florida's hurricane deductible rules still apply (§627.701).
Vacant Homes Insurance FAQ
Does my Florida homeowners policy cover a vacant house?
Can I insure an inherited home in probate?
Does Nymble write vacant home coverage?
Sources
Educational information only, not legal advice or a coverage guarantee. Coverage depends on the policy issued. Nymble Insurance, licensed Florida independent agency, license L131669, (813) 291-3484.