Vacant Home Insurance in Texas

An Empty House Can Require Different Insurance

If a property will remain vacant for an extended period, don't assume your existing homeowners or landlord policy provides the same protection indefinitely.

At Next Move Insurance, we help property owners explore insurance options designed for vacant properties.

When Might You Need Vacant Home Insurance?

We frequently encounter vacant properties because the owner is:

Renovating the property
Preparing it for sale
Waiting for a tenant
Between tenants
Handling an inherited property
Going through probate
Purchasing an investment property
Moving before the old home sells

Why Does Vacancy Matter?

An unoccupied property can present different risks because problems may go unnoticed longer.

Examples can include:

Water leaks
Fire
Theft
Vandalism
Weather damage

Insurance companies have different definitions, limitations and underwriting requirements involving vacancy.

The important thing is to tell your insurance agent how the property is actually being used.

Investors & Renovations

If you've purchased a property to renovate,

tell us:

Whether anyone will live there
What type of work is planned
Estimated renovation period
Intended use after completion

Different renovation situations can require different insurance solutions.

Selling a Vacant House?

Don't cancel coverage simply because you've moved out.

If you have a property listed for sale that will remain vacant, contact us so we can help you determine the appropriate insurance option while it is on the market.

Buying an Older House?

Check the Insurance Before Your Option Period Ends

If you're considering an older property, don't wait until the end of the transaction to learn whether the home presents insurance challenges.

Send us the address early.

We'll help explore available options while you're still making important decisions about the purchase.

What if Traditional Insurance Isn't Available?

We'll first explore appropriate available insurance markets.

If qualifying voluntary-market coverage isn't available and the property meets eligibility requirements, Texas FAIR Plan may be another option worth exploring. FAIR Plan requires qualifying declinations and provides more limited coverage than may be available through the standard market.