Welcome to Focus Insurance Group, We're here to help you
Mon - Fri 8:00am - 6:00pm

Saturday & Sunday Closed

2373 Lawrenceville Hwy,

Decatur, GA 30033

Vacant Home Insurance

Home / Vacant Home Insurance

Vacant Home Insurance to fit your budget and needs

Low Cost Vacant Home Insurance in Decatur, GA

If there is no one living in your home, it’s still okay to have a normal homeowner’s insurance policy…right? Actually, most insurance companies don’t extend homeowner’s insurance coverage to unoccupied or vacant dwellings.

That might sound odd at first. After all, there are fewer risks when no one is running around the house, or so you’d think. But the truth is that empty residences are at greater risk for severe damage: broken pipes that go unnoticed, sewer backup that just sits for weeks or months, and even the possibility of squatters living in and damaging the home. So, what can you do to get the unoccupied house insurance coverage you need?

Be Honest About Your Empty Home

The idea of taking out vacant home insurance can feel overwhelming, and when you already have homeowner’s insurance, it is tempting to just stay quiet about the house being unoccupied and hope for the best. This would be a mistake.

Lying to your insurance company or hiding the truth will result in claim denials and likely the cancellation of your policy. That alone is pretty bad, but it also means you’ll be on the hook for any damages to your property. It’s a terrible situation all around.

But What If I'm Not Moving Out?

If you are planning to head off for a lengthy trip – say three or more weeks – and you won’t be having a house sitter, your property could be considered unoccupied by your insurance company. Don’t wait to find out after you leave; contact your insurance company to learn about the terms of your homeowner’s insurance coverage during longer trips.

Defining an Unoccupied vs. Vacant Home

Do you need vacant property or land insurance in Decatur? Focus Insurance can help. Talk to us about your needs and we will find the right policy for you.

Contact Info

Scroll to Top