Insure Connecticut's Ultimate Guide to Secure Your Future: Expert Insurance Tips and Tricks

Standard Connecticut homeowners policies typically stop covering theft, vandalism, water damage, and glass breakage once a home sits vacant for 30 to 60 consecutive days. If you're renovating, settling an estate, or between tenants, you likely need a vacant dwelling policy or endorsement to close this gap. Otherwise, a claim during that window can be denied outright.

If you're leaving your home unoccupied for weeks or months, you may be wondering: can vacant dwelling insurance protect against squatters? The answer is more nuanced than a simple yes or no.