Why Is It So Difficult to Insure a Vacant Home?

Why Is It So Difficult to Insure a Vacant Home?

Vacant homes can be attractive to burglars and vagrants, who can access empty property more easily than occupied homes and cause damage.

And if you're not living in the property full-time, it's probably not getting the same proper care or attention as an owner-occupied property. The vacant property could sustain lots of damage if, for example, a pipe bursts or a branch falls on the roof. It's the responsibility of the homeowner to address problems right away and prevent further damage.

Insurance is about leverage. You pay a small consideration (the premium) for a large sum of money in return (the benefit). Check with me on how vacant properties are treated to make sure you're covered for both physical damage and liability. There is a big difference and experience really counts in this category.

call me for your free vacant home insurance consultation at 1-855-GET-SELECT (438-7353)

Saint Peters Homeowners Insurance

•Missouri ranks 23 out of 50 states for low home insurance rates, so expect to pay an average of $726 each year for homeowners insurance in Saint Peters.
•You can save money when buying home insurance in Saint Peters by comparing insurance rates from multiple Missouri insurance companies. Take advantage of multi-policy discounts, maintain a good credit score and raise your deductible to lower the annual cost of home insurance.


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