VACANT DWELLINGS

Insurance For Vacant Dwellings

Whether your vacant property is waiting for new owners, renters, or is simply uninhabited, it is important to ensure that it stays protected. Taylor Insurance Services Inc in Bradley, Illinois can work with you to find excellent coverage for your unoccupied or vacant property. Contact us at 815-933-3131 to get started today.

The Difference Between Unoccupied And Vacant Homes

When it comes to acquiring insurance for vacant and unoccupied homes, it is vital to know the difference between the two. Policies have vacancy exclusions but do not have exclusions for unoccupancy. Because of this, knowing whether a property is simply unoccupied or is truly vacant is a necessary component of the claim filing process.


Vacant properties are completely empty and have neither tenants or personal property. They are substantially devoid of personal property that is needed to sustain regular occupancy.


Unoccupied properties are defined as property that was left with all possessions and items from the former inhabitants as though they were to return to the property.


Under an insurance policy, vacancy exclusions don't offer coverage for vandalism, theft, the breaking of building glass, water damage.

To learn more about these policies, contact us at 815-933-3131.

Why Do You Need Insurance For Your Vacant Dwelling?

If your home is vacant or unoccupied, it may still be at risk for property damage. If your home is uninhabited, any losses or damages that happen would need to be paid out of pocket as homeowners policies don't offer coverage for uninhabited buildings. Vacant dwelling insurance keeps your home protected even while no one is living there and enables potential damage to the property to be covered under the insurance plan.


For more information on insurance for vacant dwellings and unoccupied homes, call Taylor Insurance Services Inc. today at 815-933-3131. 

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