Vacant Home Insurance in North Carolina
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Vacant Home Insurance in North Carolina
What is vacant home insurance?
Vacant home insurance is a specialized type of property insurance designed for homes that are unoccupied for an extended period. Unlike standard homeowner’s insurance, which typically covers homes that are occupied on a regular basis, vacant home insurance addresses the unique risks associated with properties that are not lived in.


Why do homeowners in North Carolina need vacant home insurance?
In North Carolina, vacant home insurance is crucial because standard homeowners insurance policies often exclude or limit coverage for unoccupied properties. Vacant homes are more vulnerable to risks like vandalism, theft, and damage from weather or maintenance issues. Having the right coverage helps protect your investment and ensures financial security.
How long can a property be vacant before I need to switch to a vacant home insurance policy?
In North Carolina, standard homeowners insurance policies provide coverage for a limited period if the property is vacant, typically 30 to 60 days. If your home will be unoccupied beyond this timeframe, it’s essential to switch to a vacant home insurance policy to maintain adequate protection.
What does vacant home insurance cover?
Vacant home insurance offers coverage tailored to the risks associated with unoccupied properties:
- Vandalism and Theft: Vacant home insurance covers damage or loss resulting from vandalism or theft, which are more common in unoccupied properties. This includes broken windows, graffiti, and stolen belongings.
- Fire Damage: Coverage includes damage from fire, whether caused by external factors or internal issues such as electrical malfunctions. This ensures that any fire-related damage is addressed.
- Weather-Related Damage: Protection against damage from severe weather events like storms, hail, or flooding. This includes roof damage, broken windows, and water damage from leaks or storms.
- Structural Damage: Coverage for damage to the structure of the home, including the foundation, walls, and roof. This can include damage from settling, shifting, or other issues that arise in an unoccupied home.
- Liability Protection: Provides coverage if someone is injured on the property. This includes medical expenses and legal costs related to liability claims, protecting homeowners from potential lawsuits.
- Maintenance Issues: Coverage for damage caused by maintenance problems that are not addressed due to the property being vacant. This might include plumbing leaks, heating system failures, or pest infestations.
- Personal Property: If the home contains any personal belongings, vacant home insurance can cover loss or damage to these items, though coverage may vary depending on the policy.
How does vacant home insurance differ from standard homeowner’s insurance?
Vacant home insurance differs from standard homeowners insurance primarily in its scope and coverage due to the unique risks associated with unoccupied properties. Here are the key differences:
- Coverage Scope
- Vacant Home Insurance: Specifically designed for properties that are unoccupied for extended periods. It provides coverage for risks that are more prevalent in vacant homes, such as vandalism, theft, and certain maintenance issues. It also typically covers damage caused by fire, severe weather, and liability risks associated with unauthorized visitors.
- Standard Homeowners Insurance: Generally covers properties that are actively occupied or used. It includes protection against risks like fire, theft, and weather-related damage, but may exclude or limit coverage for vacant properties due to the higher risk of claims.
- Risk Factors
- Vacant Home Insurance: Addresses risks specific to unoccupied properties, including increased vulnerability to vandalism, theft, and unnoticed maintenance issues. It offers coverage for damages that can occur when a home is not regularly monitored or maintained.
- Standard Homeowners Insurance: Assumes regular occupancy and maintenance, and may not cover damages or losses that occur in an unoccupied home. For example, it may not cover vandalism or theft if the home has been vacant for a certain period.
- Policy Exclusions and Limitations
- Vacant Home Insurance: Provides broader coverage tailored for the absence of occupants. It typically includes specific clauses that cover the unique risks associated with vacant properties.
- Standard Homeowners Insurance: Often has exclusions or limitations for vacant homes. Coverage may be reduced or voided if the property has been unoccupied for a specified period, usually 30 to 60 days.
- Premium Costs
- Vacant Home Insurance: May have higher premiums compared to standard homeowners insurance due to the increased risk associated with vacant properties. The higher cost reflects the need for more comprehensive coverage.
- Standard Homeowners Insurance: Generally has lower premiums because it covers properties with regular occupancy and maintenance. The risks are perceived to be lower compared to vacant homes.
What factors influence the cost of vacant home insurance in North Carolina?
Several factors may affect the cost of vacant home insurance in North Carolina:
- Property Location: The location of the property may impact the premium. Areas with higher risks of vandalism, theft, or natural disasters may have higher premiums.
- Property Condition: The condition of the property and any safety or security features may influence the cost. Well-maintained properties with security systems may qualify for lower premiums.
- Coverage Amount: The amount of coverage needed, including the limits for property damage and liability, will affect the premium.
- Duration of Vacancy: The length of time the property is expected to be vacant may impact the cost. Longer vacancies may result in higher premiums.

Are there any exclusions or limitations with vacant home insurance?
Yes, vacant home insurance policies often come with specific exclusions and limitations. Understanding these can help you avoid unexpected gaps in coverage. Here are some common exclusions and limitations:
- Wear and Tear: Damage from regular use or neglect is usually not covered.
- Certain Water Damage: Flooding and sewer backups may be excluded.
- Renovation Damage: Damage occurring during significant renovations may not be covered.
- Illegal Activities: Losses from illegal acts on the property are typically excluded.
- Maintenance Failures: Issues from lack of upkeep on systems like plumbing or heating may not be covered.
- Vacancy Limits: Coverage may be reduced or voided if the property remains vacant beyond a specified period.
- Acts of War/Terrorism: Damages from war or terrorism are generally excluded.
- Intentional Damage: Deliberate damage by the homeowner is not covered.
- Natural Disasters: Some natural disasters, like earthquakes, may not be included.
Can I purchase vacant home insurance if I’m in the process of selling my home?
Yes, vacant home insurance is often used by homeowners who are in the process of selling their property. It provides protection during the period when the home is on the market and unoccupied.

How can North Carolina homeowners obtain vacant home insurance?
Reach out to the independent agents at Pegram Insurance Agency for a fast quote on vacant home insurance in North Carolina. Our knowledgeable team is ready to help you navigate your insurance options and find the best coverage tailored to your needs. Whether your property is vacant due to relocation, renovation, or awaiting sale, we ensure you receive comprehensive protection against potential risks.

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