It's very significant to have a good homeowner's insurance policy to protect a huge investment but if your home is vacant it could be complex and costly to obtain the coverage you need. There are many reasons why a house can be empty. Perhaps you are a landlord and your tenant has moved out. Perhaps you are moving and have not been able to sell your old home yet. Whatever the reason, vacant home insurance can be difficult to get.

If you are the possessor of an unoccupied home you…