When a home sits vacant, whether it’s between tenants, for sale, or under renovation, it faces different risks than an occupied property. Standard homeowners insurance often limits or excludes coverage during extended vacancy. At Maple City Insurance Services, we help you protect your property with insurance designed specifically for vacant homes.

What Vacant Home Insurance Covers

Property Protection
Covers the structure of your home from risks like fire, storms, vandalism, and certain types of water damage.

Vandalism & Theft Coverage
Vacant homes are more vulnerable to break-ins and this coverage helps protect against damage and loss.

Liability Protection
Provides coverage if someone is injured on the property and you’re held responsible.

Other Structures
Coverage for detached garages, sheds, fences, or additional structures on the property.

Why Vacant Home Insurance Matters

Vacant properties can be at higher risk for issues like unnoticed damage, vandalism, or weather-related problems. Without proper coverage, you could face significant out-of-pocket costs.

Vacant home insurance helps ensure your property remains protected, even when no one is living there.

When Do You Need Vacant Home Insurance?

• Your home is for sale and unoccupied

• You’re between tenants in a rental property

• The property is under renovation or remodeling

• The home is inherited or temporarily unused