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Tips for Vacant Dwelling Protection

Posted on: January 15, 2016 by Aegis General

Whether your clients are leaving their vacation homes for the season or they are in the process of selling their existing home and moving into a new one, having a vacant home can be a cause for concern. While the structure may be vacant, it is still susceptible to some risks. Consider the following tips and ensure the space is secured with a Vacant Dwelling Insurance Program to mitigate these concerns.

Theft and Vandalism

Unfortunately, vacant dwellings often become the targets for thieves since they are less likely to be caught. Any valuables left in these spaces can be taken, as well as valuable building components such as piping or fixtures. Further, vandals might attempt to cause significant damage, as well.

Solution: Install a security system, if possible, to monitor any activity and deter thieves from targeting the home. With this installed, the security system will alert the authorities immediately if someone enters without the proper code.


A vacant dwelling can be an easy shelter for someone in need or for illegal activities.

Solution: Keep lights on a timer so the home doesn’t look vacant. If possible, have neighbors pick up any mail or items left at the door, as well. Further, installing a security camera is likely to deter trespassers.


Drastic temperature changes can affect a home significantly. Both hot and cold temperatures can severely damage the building’s interior and rain, wind, and snow can cause damage to the exterior, says Culture of Safety.

Solution: Ensure all windows and doors are secured and locked. Before leaving the home, examine its entry points to see if anything needs refurbishing or tending. Any items left outside will be damaged in the event of a storm, so bring them inside. Be sure to place them in a location that is not visible to onlookers.

At Aegis General Insurance Agency, we work to ensure vacant dwellings are protected. Our underwriting discipline has allowed us to craft strategic policies that specifically target specific risk exposures. For more information about our products, contact us today at (866) 662-5752.

Posted in: blog Vacant Dwelling Insurance Program