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Insuring Your Vacant Home

Your home may be vacant or unoccupied for a variety of reasons.  Maybe you have already moved into a new home, but have not sold this one yet.  Maybe it is under renovation.  Maybe it is a rental property in between tenants.  Maybe it is an inherited home tied up in a life estate.

Pearson and Company Insurance can find you insurance for your vacant home in MS or AL.  Vacant home policies offer specific coverage for the unique insurance situation an unoccupied home presents.  Since no one lives there, vacant homes pose more risks than occupied ones.  Acts of vandalism, liability, and fires are common with vacant properties.  You need to make sure you have an insurance policy specifically written for vacant properties.  If you continue to leave a vacant home insured under a primary home or rental property policy, your claim may be denied completely or the pay-out may be drastically reduced.


How Much Does Vacant Home Insurance Cost?

The price to insure a vacant home is based on a variety of factors, including its address, the amount of coverage needed, and the home’s risk factors.   The best way to determine how much it would cost is to request a vacant home insurance quote from Pearson & Company Insurance.  You can follow the link, or call 601-482-6699.  Our companies offer lots of discounts that could help you save money when you insure your vacant home with us. 


What Coverage Is Offered On A Vacant Home Policy?

Named Peril Coverage- Perils (the risk- things like fire, explosion, lightning, wind and hail) are specifically named in policy, subject to exclusions and conditions.

Vandalism & Malicious Mischief Coverage- This is an optional coverage you can purchase to insure against vandalism to the property.

Liability Coverage- Liability provides coverage if you are found legally responsible for an accident on the vacant premises that causes injury to someone or causes property damage.

Actual Cash Value-  In the event of a covered claim, this means your claims payment will cover the cost to replace or repair the damaged property with a deduction for depreciation.  Depreciation is calculated on the age and condition of your home and property, minus your deductible.


To obtain a vacant home insurance quote for your specific situation, contact Pearson & Company Insurance today at (601) 482-6699.

You may also like these blogs on First Time Homebuyer's Savings Accounts,, How Renovations  Affect Your Home Insurance, and How Much Home Insurance Is Enough? 

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Pearson & Company Insurance, Inc.
2210 13th Street
Meridian, MS 39301

Phone: 601-482-6699
Fax: 601-482-1526
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