Questions & answers · Home insurance
I will be away from my house for a long time. Will my home policy still cover it?
Home insuranceOtherTexasChecked Nov 6, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: TDI View original ↗
In short
- Many home policies stop covering a house that stays empty for too long.
- TDI says most companies stop coverage after a house is vacant for 60 days.
- Liability coverage usually continues.
What this means
TDI's table lists "Losses that occur if your house is vacant for the number of days specified by your policy" among things most policies do not cover [1].
TDI also says a company may refuse to renew if your house is vacant for 60 days or more. It says "Most companies stop your coverage if your house is vacant for that long. They usually don't stop your liability coverage, though." [1]
If you plan to be out of your house for an extended time, TDI says to talk to your company to make sure your coverage continues [1].
Your next step
Before you leave, ask your company in writing how many days of vacancy your policy allows and what you must do to keep coverage. The days in your own policy decide this.
Check it yourself
Open the TDI guide below and find the "vacant" lines in the risk table and in "Losing your insurance".
Where this comes from (1)
[1] TDI · checked 2026-11-06
Losses that occur if your house is vacant for the number of days specified by your policy … Your house is vacant for 60 days or more. Most companies stop your coverage if your house is vacant for that long. They usually don't stop your liability coverage, though. If you plan to be out of your house for an extended time, talk to your company to make sure your coverage continues.
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.
What we don’t know yet
Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.
Every answer is checked against the official rule it quotes.
Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
Related answers
- Someone else caused damage to my home. Do I file with my insurance or theirs?
- My home policy deductible is a percentage. How much will I really pay, and does it apply to each claim?
- My Florida home policy has a separate hurricane deductible. How is it counted if two storms hit in one year?
- A pipe leaked in my house. Will my homeowners insurance pay for the water damage and the mold?
Answer id CQ7033. Spotted an error? Tell us.