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How much does vacant home insurance cost?
My wife and I are planning to spend our winters in Florida. We will be renting a home while we’re there, but own a home in New Hampshire. I know we’ll need vacant home insurance since we’ll be gone for an extended period of time. How much does vacant home insurance normally cost?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Staying warm in Florida over the winter sounds wonderful! On average, vacant home insurance costs $500 more than a standard home insurance policy.
In
New Hampshire
, the average cost of home insurance is $600 to $700 a year. While insurance rates are dependent on several factors, most experts estimate vacant home insurance typically costs one to three times more than a standard policy. Some factors that may influence your rates are:
- Age
- Location
- Type of coverage
- Amount of coverage
- Length of time your home is vacant
- Claims history
If you live in an area where theft or burglary is on the rise, you’ll likely pay more for vacant home insurance since your home has an increased risk.
To find the best price for vacant home insurance, you’ll want to shop around, even if you already have a home insurance company. Rates are company-dependent, so it’s always best to request quotes from at least three different insurers.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. The Jerry app can collect quotes from top insurance companies, like Berkshire, State Auto, Safeco, and Travelers, in seconds! They even help cancel your old policy once you’ve made your pick.View full answer
- Gregory R.
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