Vacant Vs. Unoccupied Properties
- Charlotte Burr
- Nov 11, 2025
- 2 min read
On the surface, the words vacant and unoccupied seem like synonyms, but when it
comes to insurance, the difference in their meanings have far reaching ramifications.
So, what exactly is the difference between vacant properties and unoccupied properties
when it comes to insurance?
Well, vacant homes are defined as homes that have no furniture and no occupants.
They are homes and properties that no one expects to return to. Meanwhile,
unoccupied homes are homes and properties that are still furnished and contain the
residents’ possessions; the residents themselves simply don’t happen to be present.
Insurance coverage for vacant properties is much harder to obtain and more expensive,
as they are considered much riskier. Water damage is an example of something that
might not be covered. Water will cause extensive damage pretty quickly so if someone
isn’t in the house the cost of the damage will grow quickly. Every home insurance policy
has a clause where all coverage is null and void after 30 or 60 days. Whether the
house burns down or if there’s hail damage, the claims that occur after that period of
time will be denied.
If you would like to talk about vacant home insurance or unoccupied home insurance, give AZ Insurance Team a call. As an Arizona-based insurance broker, we can easily find you the best policy for your needs and a budget. You can reach us at 480.535.5709 or request a quote.
To request a property insurance quote, go here.
How AZ Insurance Team Has Your Back
At AZ Insurance Team, we’ve been serving the Valley for over a decade, helping families and individuals protect what matters most. Whether it’s reviewing your home, auto, or life insurance, summer is the perfect time to make sure you’re covered before the celebrations begin. Reach out today to review your policy and see how much you could save. Peace of mind is just a call or click away.
Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…
Disclaimer: Coverage will vary based on state, insurance company, and type of policy
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