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What happens if my house is vacant for 60 days?
Vacancy clauses suspend or reduce coverage after a set number of consecutive days. The number is in your own form.
What filed forms generally say
Most forms contain a vacancy condition that changes coverage once a dwelling has been vacant beyond a stated period — often 30, 60 or 90 consecutive days.
The usual effect is that certain perils — vandalism, malicious mischief, glass breakage, sometimes water damage — stop being covered while the vacancy continues.
“Vacant” and “unoccupied” are not the same thing in most forms; furniture left behind can matter.
Why your policy can still say something else
The day count and the list of suspended perils are form-specific, and some carriers issue a vacancy permit endorsement that changes both.
Clauses to look for in your own document
- Vacancy condition
- Exclusions — Vandalism
- Definitions — Vacant / Unoccupied
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PoliSays explains document wording. It is not an insurer, broker, or law firm, and nothing here is advice.