Important Reasons to Consider Investing in Vacant Home Insurance in Orlando, FL

Owning a vacant property in Orlando comes with risks many homeowners overlook. Whether your home is waiting to be sold, undergoing renovations, or held as an investment property, leaving it empty makes it more vulnerable to theft, damage, and liability concerns. Standard homeowners insurance often excludes extended vacancies, making vacant home insurance a smart and necessary choice.

Why Orlando Properties Need Vacant Home Insurance

Vacant homes in Orlando face unique risks due to the region’s climate and growth:

• Theft and Vandalism: Vacant houses are easy targets for break-ins or vandalism.
• Water and Storm Damage: Orlando’s heavy rains, hurricanes, and humidity can cause costly damage if not addressed quickly.
• Liability Risks: If someone trespasses and gets injured on your property, you could be held responsible.

When Vacant Home Insurance Becomes Necessary

Vacant home insurance is recommended in Orlando if your property will be unoccupied for more than 30–60 days. Situations may include:

• Listing a home for sale
• Delays between moving out and renting
• Major renovations
• Seasonal or investment properties

Coverage Features in Orlando

Vacant home insurance typically includes:

• Property coverage for fire, storms, or vandalism.
• Liability protection against lawsuits for injuries on your property.
• Optional endorsements like theft or appliance coverage.

Cost of Vacant Home Insurance in Florida

Costs vary based on location, property size, and risk factors. In Orlando, premiums are often higher due to storm exposure. However, the cost of not having coverage far outweighs the premium.

FAQs for Orlando Homeowners

Will my homeowners insurance cover a vacant house? Usually not beyond 30–60 days.

Can I cancel once my home is sold? Yes, coverage can be adjusted or canceled once occupancy resumes.

Is coverage required by lenders? Many lenders require it if a property is vacant during financing.

Protect Your Orlando Investment

Don’t leave your property exposed. Bluestar Mortgage helps Orlando homeowners understand insurance requirements during financing, ensuring your investment is always protected.

Call Bluestar Mortgage in Orlando at (321) 400-5545 today to discuss your options and secure the right coverage for your vacant property.