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Cravens Warren

Serving the risk management and commercial insurance needs of business. Cravens Warren, founded in 1946, has been serving the insurance needs of... read more

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  • 10011 West Gulf Bank
    Houston, TX 77040
  • Phone (713) 690-6000
    Fax (713) 690-6020
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Vacant Homes- A Special Risk

Sep 2, 2011

One of the misfortunes of the economy these days is the number of vacant homes for sale. Many of them have been vacated by owners who have moved on to another home, leaving their vacated home either vacant (little or no furniture or personal property) or unoccupied (no people) for a significantly long time. This an insurance problem because, after 2 months of vacancy, a homeowners policy significantly reduces coverage. 

Defining "Vacancy"

Vacancy is defined as not enough goods for occupancy. So, according to that definition, a home could be considered vacant unless it has kitchen appliances, table and chairs, at least one bed to sleep on, and somewhere to sit (i.e., a couch or chairs). If there is very little furniture, and nothing in the bedrooms, chances are, your insurer has the ability to apply the vacancy clause. At a minimum, the insured may have to spend sizable dollars to fight the company’s decision.

Vacancy and Homeowners Insurance

There are two problems with a home that is vacant greater than 60 days: