What happens to coverage if a property remains vacant for more than 60 days?

When a property remains vacant for more than 60 days, the typical provision in most property insurance policies is that coverage may be terminated. This is often due to the increased risk associated with vacant properties, including a higher likelihood of vandalism, theft, and the potential for undetected damages, such as water leaks or fires. Insurers impose this restriction to mitigate their risk exposure.

Policies may define "vacant" as a property that has no occupants or business activities occurring, and many standard homeowners and commercial property insurance policies include a vacancy clause that explicitly states that coverage will either be reduced or entirely voided after a specified period, commonly 60 days. Therefore, it is crucial for property owners to be aware of their policy terms and to maintain occupancy or secure coverage that extends through vacancies to avoid losing essential protection.