Standard policies stop paying when a home sits empty past 30–60 days — exactly when fire, theft, and water damage risk is highest. Vacant property coverage closes that gap, with flexible terms that match how long the property actually sits.
Property occupied sooner than expected? Policies can be adjusted or cancelled.
Almost every homeowners and landlord policy contains a vacancy clause: once the property has been unoccupied for 30–60 consecutive days, coverage for key perils — vandalism, glass breakage, water damage, sometimes theft — is restricted or voided entirely. Many investors only discover this when a claim is denied.
The irony is that vacant homes are riskier, not safer. A burst pipe in an occupied home gets caught in hours; in a vacant one it can run for weeks. Empty properties attract break-ins, stripped copper, and squatters — and nobody's there to call the fire department.
Vacant property insurance is purpose-built for this window. It covers the dwelling against fire, wind, vandalism, and liability while the home is empty — whether it's between tenants, listed for sale, in probate, or waiting on permits before a renovation starts.
A slow leasing season or a big turnover rehab pushes the gap past your landlord policy's vacancy clause.
A finished flip or retired rental sitting on the market — staged, empty, and exposed.
You've closed but permits are pending. Vacant coverage bridges to your builder's risk policy.
An estate home that will sit empty while the family decides what to do with it.
A project on hold for winter, financing, or contractor availability — still your asset, still at risk.
Not sure if your situation counts as "vacant"? Call 888-511-1012 — a licensed agent will tell you straight.
Generally, a property with no one living in it and little or no personal property inside, for more than 30–60 consecutive days (the exact trigger varies by policy). "Unoccupied" — furnished but nobody home — is treated differently. If you're in a gray zone, ask us before assuming you're covered.
Because vacant homes claim more often and more severely — water damage runs longer, break-ins are more likely, and fires spread further before anyone notices. Lumin offsets this by comparing rates across underwriters and matching the term to your actual vacancy window so you don't pay for months you don't need.
Yes. When the property becomes occupied, we transition you to a landlord policy and the vacant policy is cancelled or adjusted — you shouldn't pay vacant rates on an occupied home.
Vandalism coverage is a core reason this policy exists — it's exactly what standard policies strip away at the vacancy trigger. Theft of building materials and fixtures can typically be included; ask your agent to confirm the specifics for your property and state.
Light work, sometimes. Active renovation usually needs a builder's risk policy instead — it adds materials coverage and renovation-specific liability. Tell us your plans and we'll put you on the right one from day one.
When the renovation starts, switch to builder's risk coverage.
When a tenant signs, transition to a tenant-occupied policy.
Turning the property into an Airbnb instead? Cover the hosting risk.
Quote in ~4 minutes, with terms matched to your actual vacancy window.