Vacant Home Insurance Calculator

Once a property sits vacant past 30-60 days, standard landlord and homeowner policies void. Vacant property policies fill the gap — typically 2-3x the cost of a regular policy. This calculator sizes the incremental premium over a vacancy period and shows the break-even claim cost.

Replacement cost

Regular annual premium / $1K

Vacant policy premium / $1K

Vacancy duration (months)

Typical vacant property claim

Vacant policy cost during vacancy

$800

Regular policy cost during vacancy

$350

Extra cost for vacant coverage

$450

Vacant annual premium

$3,200

Regular annual premium

$1,400

How the math works

Standard homeowner/landlord policies exclude vacant properties past 30-60 days. A vacant property policy covers the gap — typically 2-3x the premium of a regular policy. Worth it given claim frequency on unoccupied properties (vandalism, water damage from burst pipes, arson).

Notify your insurer immediately when a rental becomes vacant. Running an uninsured vacant property exposes you to uncovered loss if damage happens — a single burst pipe or fire can cost $50-$100K.

How to Use

Enter replacement cost.
Enter regular and vacant insurance rates per $1K.
Enter expected vacancy duration.
Read premium delta and vacancy-period cost.

Frequently Asked Questions

When does the gap start?

Policy language varies — 30 days, 60 days, or 90 days of continuous vacancy typically triggers a coverage exclusion. Read your policy carefully; some policies exclude even 30-day vacancies for theft coverage.

Why 2-3x cost?

Vacant properties have 4-6x higher claim frequency — vandalism, squatters, arson, burst pipes. Insurers price for the actual risk. Even short vacancies should have the coverage.

Can I get monthly?

Yes. Many carriers offer 3-month, 6-month, and 12-month terms specifically for vacant rehabs or between-tenant gaps. No long-term commitment. Slightly higher per-month rate than 12-month policies.