What counts as vacant vs unoccupied?

Vacant = no people and no furniture. Unoccupied = furnished but empty. Vacant is stricter.

Home was empty when it happened?

Vacant Home Claim Denied (US)

Homes vacant 30–60 days trigger the vacancy exclusion — theft, vandalism and water damage no longer paid.

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The short answer

Standard US home policies exclude losses from vandalism, glass breakage, and water damage in homes vacant more than 30 or 60 days. Vacant Home Insurance or a vacancy permit endorsement is required for empty properties (inheritance, sale, renovation).

Frequently asked

What counts as vacant vs unoccupied?: Vacant = no people and no furniture. Unoccupied = furnished but empty. Vacant is stricter.

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