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Vacant Home Insurance in Michigan

Why standard insurance won't cover an empty house — and what to do about it.

The Insurance Trap for Empty Homes

Most standard homeowner's insurance policies contain a vacancy clause: if the home is unoccupied for 30-60 consecutive days, coverage for certain perils — especially vandalism, water damage, and theft — may be excluded. Many homeowners don't realize their policy has this exclusion until they file a claim and it's denied.

Vacant home insurance costs 50-100% more than standard coverage. Expect $1,500-$3,000+ per year for a basic vacant property policy.
Many insurers won't write vacant policies at all. You may need to go through a surplus lines insurer or specialty provider.
The best solution: sell before insurance becomes a problem. A cash sale closes in as little as 7 days — before your standard policy's vacancy exclusion kicks in.

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The Real Cost of a Vacant House →Main Vacant Property Guide →

Sell Before Your Insurance Lapses

Close in 7 days. No more insurance worries — get a fair cash offer today.

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