Insurance Claims based on Unoccupied vs Vacant

Home Watch and Property Inspections Services

A vacant home is an empty Home. An unoccupied home is furnished but not occupied.
Insurers have 2 different classifications for these homes and I’d like to help you define and understand the difference. *Unoccupied: without occupants, but not devoid of furniture or other furnishings. *Vacant: having no tenant or contents; empty, void.

So why is this important to you? As a Home Watch Professional, I’m sometimes asked by my clients about the correct coverage/classification that they’ll need. There have been insurance claims not paid by insurers because of mis-classification. Currently, in Canada, there are actual requirements that dictate intervals of as little as 48 hours between checks of unoccupied homes. In the USA the guidelines are less stringent but still important. So, be smart and safe when using the words UNOCCUPIED or VACANT in discussions. They are NOT the same.

If you have any questions or need Home Watch services, connect with us today.