Vacant Home Insurance in Connecticut

Many Connecticut property owners own homes that may be vacant from time to time. A vacant home presents additional risks that an occupied home doesn’t. This is typically the reason most homeowner insurance policies contain specific language regarding the coverage for homes that remain vacant for 30 days or more, especially if there is no one checking on the dwelling on a regular basis.

For example, the typical homeowner insurance policy has language regarding frozen or broken pipes during the winter if a home is vacant for 30 days or more. The language can exclude coverage for this peril if the home is vacant. Many insurers also have exclusionary language for vandalism and malicious mischief if the home is found to be vacant for longer than a thirty-day period. READ MORE