This Insurance Gap Could Cost You $10K During a Vacancy—Even if No One’s Living There

Let’s say your tenant moves out in June, and you’re repainting the unit before relisting. In July, a storm floods the basement. You file a claim—and it’s denied.

Why? You failed to notify your insurer that the unit was vacant.

The Vacancy Clause Most Landlords Ignore

Most landlord insurance policies require you to notify the carrier after 30+ days of vacancy. Fail to do so, and:

• Your policy may be void

• Your claims can be denied

• You might be labeled high-risk moving forward

This applies even if the property is perfectly maintained.

What to Do Instead

• Notify your insurer immediately once a unit becomes vacant

• Ask about vacant property endorsements—they extend full coverage

• Consider short-term liability add-ons if you're showing the unit or doing renovations

You should also inform your property manager or handyman to check in regularly and document the condition in case of a claim.

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