Vacant Homeowners Insurance usually cost more than normal homeowners insurance. This is because if the property is vacant then the likelihood of break ins and vandalism could be higher. Therefore the Cheap Homeowners Insurance In Florida potential cost to insurance companies could be higher too, hence the higher premiums for vacant homeowners insurance.

It can be rather difficult to insure a vacant house unless you can somehow assure the insurance companies on a few things. For example, the house needs to be checked on regularly or at least have a security device to prevent break ins. Security cameras could also be installed so that the house can be monitored remotely. But you should still get someone to check the house once a while to see if there are any burst pipes or infestation of some sort.

Most insurance companies will allow you a small window of time for the house to be vacant, usually 90 days. After which, they can cancel the vacant homeowners insurance policy. You should check with your insurance company regarding the details of their vacant house policy.

You can also make you vacant home less attractive to vandals, thieves and vagrants by giving the impression that the house is occupied. Using light timers, sprinkler timers, getting someone to mow the lawn twice a month or even getting a neighbor to park in your driveway can go a long way to reducing your vacant homeowners insurance premiums.