Many homeowners in Plano, TX, leave their houses unoccupied for extended periods. Some travel frequently for work, while others spend part of the year in warmer or cooler climates. No matter the reason, it is important to understand how being away for weeks or months can affect your home insurance coverage.
What some Plano, TX, homeowners do not realize is that leaving a house empty for a long period can change how a home insurance policy responds to certain claims. Paragon Independent Insurance Agency encourages homeowners to review their policy before they travel to ensure they have the protection they need while the home is unoccupied.
How Long Can You Leave Your Home Empty in Plano, TX?
Most home insurance policies include vacancy clauses. These clauses limit or exclude coverage if a home is left unoccupied for an extended period, typically between 30 and 60 days. The exact time frame depends on the insurer and the policy, but in Texas, 60 days is common.
The reasoning is straightforward. Unoccupied homes face greater risks. A leaking pipe may go unnoticed and cause severe water damage. Thieves may target a home if they see no activity, such as an empty driveway or an overflowing mailbox.
What Home Insurance May Not Cover for an Empty Home
Water damage and vandalism are the two types of claims most commonly limited under vacancy clauses. Some insurance carriers may also reduce claim payments once the home passes the vacancy threshold.
The Texas Department of Insurance requires insurers to clearly outline these exclusions in the policy. However, many homeowners do not review these details before heading out of town, which can lead to surprises if a claim is filed during an extended absence.
Steps to Take Before Leaving Your Home Unoccupied
Your first step should be to speak with your agent at Paragon Independent Insurance Agency. They can explain your current coverage and recommend options if needed. In many cases, homeowners can add a vacancy permit or endorsement to maintain full coverage while they are away. Some insurers also offer specific solutions designed for extended absences.
Additional practical steps include:
- Ask a friend or neighbor to check on your home regularly.
- Arrange for someone to collect your mail every few days, or place a temporary hold with the post office.
- Consider using a house sitter, even part-time, to ensure the property is not completely unoccupied.
Make Sure Your Home Is Fully Protected Before You Travel
You should not have to take unnecessary risks when leaving your home for an extended period. The key is understanding your home insurance coverage and ensuring it meets your needs. Contact Paragon Independent Insurance Agency before you leave so you know your home is protected while you are away.
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