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  • Axiom Insurance Agency
  • Personal Insurance
    • Personal Auto Insurance
    • SR-22 & SR-22A Insurance
    • Homeowner's Insurance
    • Condo Insurance
    • Renter's Insurance
    • Mobile Home Insurance
    • Farm & Ranch Insurance
    • Vacant Property Insurance
    • Motorcycle Insurance
    • RV Insurance
    • Watercraft Insurance
    • Flood Insurance
    • Personal Liability Insurance
    • Life Insurance
    • ATV Insurance
    • Boat Insurance
  • Business Owner's Insurance
    • Commercial Property Insurance
    • Commercial Umbrella Insurance
    • General Liability Insurance
    • Builder's Risk Insurance
    • Landlord Insurance
    • Artisan Insurance
    • Barber Shop Insurance
    • Hair Salon Insurance
    • Restaurant Insurance
    • Special Event Insurance
    • Surety Bonds
    • Worker's Compensation Insurance
  • Commercial Vehicle Insurance
    • Dump Truck Insurance
    • Tractor Trailer Insurance
    • Motor Truck Cargo Insurance
    • Trailer Interchange Insurance
    • Tow Truck Insurance
    • Waste Haulers Insurance
    • Bobtail Insurance
  • Make Payment
  • Report Claim
  • Dealer Referral
  • Mortgage Lender
  • Realtor Referral
  • Driver's Education
  • Trucking Testimonials
  • Contact Us
South Georgia's Agency for Insurance

Low Cost Vacant Property Insurance in Hinesville and Kingsland

If you leave home for several weeks, you could potentially void your homeowner’s insurance coverage. This is because vacant or unoccupied houses are at greater risk for vandalism, theft, weather-related perils and fire, but your policy premium is based on a lower-risk scenario where your property is occupied. Contact your insurer before leaving town for a lengthy period to make sure you have the unoccupied home insurance coverage you need.
Address anticipated scenarios with your insurance agent before your home is empty. You don't want to find out, after-the-fact, that a claim won't be paid or that your insurer won't renew your policy.
Important definitions: unoccupied home versus vacant home
Insurance companies draw distinctions between homes that are unoccupied and those that are vacant.
  • Unoccupied home. The property has been left as if the owners will return at any time.
  • Vacant home. The property is entirely empty, without any personal property inside.
Defining a vacant vs. unoccupied home
Unoccupied home
  • If the home is immediately suitable for occupation, it's considered unoccupied.
  • The owner's personal property remains inside, the utilities are on and appliances are functioning.
  • If a home renovation is limited enough that the furniture and other personal property can be left behind, the home is unoccupied.
  • If you're on vacation or in the hospital, your property is also unoccupied.
Vacant home
  • If a home is vacant, the owners have removed their personal property.
  • The utilities may be shut off. This is more common when the property is on the market or being rented.
Vacant homes pose significantly higher risk to insurers, and the price and coverage of vacant home insurance reflects this.
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    Call (912) 876-8923 (Hinesville area)
    Call (912) 882-6003 (Kingsland area)
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Home insurance companies have various rules about how long a house can be unoccupied before the insurance is canceled or an endorsement is required. That's because whenever a residence is empty, the property is at a higher risk for damage. For example, if the plumbing backs up or the roof springs a leak, extensive damage can occur because no one is on the premises to shut off the water or call an emergency repair service.
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Be honest about your empty home
Don't try to pretend that your empty home is occupied. Never lie to your insurance company when you are buying homeowners insurance; it could provide grounds for denying a claim and may result in the cancellation of your policy. It's not difficult for an insurer to tell if the damage you're claiming happened because no one was there--how else would vandals have been able to shack up in your living room, or a small water leak turn your basement into a swimming pool?
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​Whether you're in Hinesville, Richmond Hill, Savannah, Brunswick, Kingsland or St. Marys, we provide Georgia Insurance polices and more - we deliver them with personal service.
As an independent insurance agency, we can provide all types of insurance coverage from top carriers in the country.
​We are Southeast Georgia's premier independent insurance agency.

Call (912) 882-6003

Call (912) 876-8923

Axiom Insurance Agency specializes in Car Insurance, Auto Insurance, Home Insurance, Homeowners Insurance, in the following counties: Camden County, Glynn County, McIntosh County, Liberty County, Bryan County, Chatham County, Long County, Ware County and Wayne county.
Offices located in Hinesville, GA & Kingsland, GA