I just bought a house that I plan to rehab then resell and it will be vacant
for a while. When I called my insurance (State Farm) they said they don't
insure vacant houses. Other places do, such as Nationwide or Norris &
Assoc. Prepare for sticker shock, as it runs about $1200/yr for vacant vs
$250/yr for occupied. I found a friend who is willing to house-sit for me
so I get the cheaper rate, but it sounds like that won't work in your
situation. This is in Ohio, btw.

Bottom line: the house can be insured, just keep calling places until you
find someone who will do it.


wrote in message
oups.com...
I'm in the process of moving across the country, am selling my present
home. Called my insurance agent today (Farmer's) to tell him of the
move, thinking some adjustment to the home owner's policy would be
required (on the one hand the house is vacant, so presumably more
vulnerable, on the other it's empty, so no content is there to be
harmed) he told me they will not insure an empty house & as far as he
knows no one will. I almost wish I had not mentioned it, but you can
be sure if I hadn't & the damn place had burned down, they wouldn't
have paid anyway if they found out it was vacant. Anyway, anyone have
any advice on insuring an empty house while it is on the market?