Why You Need Specialty Dwelling Insurance For Your Vacant Home

Having a vacant home can be a stressful situation. It’s important to make sure that you have the right insurance coverage in place if you own a vacant home. Specialty dwelling insurance in Huntington Beach is designed specifically for unoccupied or empty homes.


There are nearly 16 million vacant homes in the United States. The longer you wait to cover your vacant home with the right insurance policy, the harder it will be to avoid problems. This policy will provide additional protection against vandalism, theft, and weather-related disasters such as hailstorms and wind damage.


Read on to learn why you need specialty dwelling insurance if your home has been vacant for a while.

Coverage For Damage Caused By Fire and Smoke

Specialty dwelling insurance in Huntington Beach covers damage caused by fire and smoke. This is especially important because vacant homes are more susceptible to fire damage due to their lack of occupants.


Fires can quickly spread through an empty home, and with no one there to put them out. They can quickly cause significant amounts of damage. With the right insurance policy in place, you can be sure that any damage caused by fire will be covered.

Dealing With Vacant Home Vanadlism

Vandalism is a major issue for vacant homes, as they are prone to break-ins and malicious acts. Specialty dwelling insurance protects against vandalism in various forms. It covers the costs associated with repairing and replacing any damaged items or property and covers any lost income due to the disruption of regular business operations.


Specialty dwelling insurance also covers any legal costs associated with vandalism-related incidents. This can be especially beneficial when protecting the owners of properties that have been left vacant for a long time.


If you’re unsure about the specialty dwelling insurance policy you need, our agents are here to help. With our guidance, you can get a policy that fits your needs.

Avoid Losses From Theft and Burglary 

Theft and burglary are serious issues that can cause losses to homeowners, especially when their property is unoccupied. Specialty dwelling insurance provides coverage in the event of theft or burglary. This policy will cover the costs of replacing stolen items and any damage caused by thieves or burglars.

Picking Up The Pieces After Natural Disasters 

Natural disasters can cause a great amount of damage to vacant homes due to the lack of protection and maintenance. Specialty dwelling insurance covers natural disasters such as floods, hurricanes, tornadoes, fires, and earthquakes.


In particular, floods pose a serious problem for vacant homes because there is often no one onsite to mitigate the damage. The right policy covers flood-related damages, helping you avoid costly repairs and replacement costs.

Invest In Speciality Dwelling Insurance in Huntington Beach

Having specialty dwelling insurance is a must for owners of vacant homes. Let us help you find the right policy today!


Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Huntington Pacific Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!

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