Empty House for 3 Months… Will Insurance Pay?

🛑 Away for Months? Your Home Insurance Might Not Pay! 🏠💧

If your house sits empty for more than 30–60 days, your homeowner’s policy might limit or deny coverage—especially for things like long-term leaks.

✅ Insurance “vacant” means no one’s living there—even if it’s fully furnished.

✅ Damage that sits for weeks? Often excluded as “neglect” or “long-term damage.”

✅ First steps if you find damage:

1️⃣ Document everything (photos + videos)

2️⃣ Call your insurance company

3️⃣ Be honest about your timeline

4️⃣ Let the adjuster inspect

💡 Pro Tip: If you’ll be away, have someone check in regularly or add vacancy coverage. It’s cheaper than a denied claim!

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