Mind the Gap: Why Sellers Should Double-Check Their Home Insurance Before Moving Out
Subtitle: Your home may be listed and looking perfect, but is it still covered?
When you are preparing to sell, your to-do list is already long: repairs, staging, cleaning, photography, and showings. One important detail that often gets overlooked is insurance coverage once the home is vacant.
If you plan on vacating your home during the listing process, there may be a change in how your homeowner’s insurance applies. Many homeowners assume their policy continues with full protection until closing, but that is not always the case.
The Hidden Gap Most Sellers Do Not Know About
Standard homeowner’s insurance is designed for occupied homes. Once no one is living there, many insurance companies consider the property vacant. When that happens, certain protections may be reduced or removed entirely.
Vacant homes carry greater risk. Without someone onsite daily, small issues can become big problems. A leak, electrical failure, or break-in can go unnoticed for days. Because of that higher risk, many policies limit coverage after 30 to 60 days of vacancy.
If something happens during that period, the loss might not be covered at all.
What To Ask Your Insurance Provider
A short phone call can prevent an expensive surprise. If you plan on moving out before closing, ask your insurance agent:
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How does my policy define vacant?
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How long will my policy continue full coverage after I move out?
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Do I need a vacancy clause or vacancy endorsement to ensure protection during the listing period?
Each company handles vacancy differently, so it is important to confirm your specific policy details.
Why This Step Matters
Sellers often move out before the home sells to simplify showings, relocate early, or begin their next purchase. That gap between moving out and closing is when unintentional coverage gaps can appear.
An uncovered loss can delay closing, reduce proceeds, or create last-minute financial and logistical challenges. Addressing your policy before vacating the home ensures clarity, protection, and a smoother transaction.
Bottom Line
If you plan on vacating your home during the listing process, double-check your insurance coverage before you hand over the keys. A quick conversation with your insurance provider can close any gaps and protect your property until the sale is complete.
Contact Erin Corwin, Broker | The Corwin Group
📞 (206) 650-7390 | ✉️ [email protected] | 🌐 theCorwinGroup.com
The Corwin Group | Seattle, Washington
Real Estate, Refined by 25 Years of Experience
Disclaimer: This information is deemed reliable but not guaranteed. Laws and policy terms can change, and individual circumstances vary. Always consult a qualified insurance agent or attorney to confirm coverage for your specific situation.
