I am divorcing my husband. Can my homeowner’s insurance be cancelled if the house is vacant?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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A divorce can be a very stressful time and decisions such as who will live in the house, who pays for the loan and insurance and so on, will undoubtedly add to that stress. If you both move out of the house, then there is an issue of a change of status of the home. If you intend to sell it and keep it furnished to do so, it is technically unoccupied and not vacant. A vacant home is more susceptible to vandalism and insurance companies are uncomfortable with the additional exposure. Most companies give you a specified period of time for the home to be vacant and then may increase the premium, drop vandalism coverage or simply cancel the policy. If you keep the home furnished, that will avoid the vacancy stigma. In addition, if someone were to spend the night in the home, every 2 to 3 months, that too avoids any impression of vacancy. Since insurance companies handle this issue differently, speak to your insurance agent about your situation. They can advise you on the best way to handle this and maintain your insurance properly.

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