Leaving Your Home Empty? Here’s How to Protect It from Squatters

Vacant properties can quickly become a magnet for trouble. From vandalism and theft to one of the most alarming risks—squatters—empty homes are more vulnerable than many homeowners realize. 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.

This guide breaks down what you need to know about vacant dwelling insurance, how it applies to squatter situations, and what Connecticut homeowners can do to minimize their risk.

What Is Vacant Dwelling Insurance?

Vacant dwelling insurance is a specialized insurance policy designed to protect homes that are unoccupied for 30 to 60 days or more. Most standard homeowner's insurance policies won’t cover claims that arise while a home is vacant because the risk of loss is significantly higher.

Vacant dwelling insurance typically covers:

• Fire

• Vandalism

• Theft

• Weather-related damage (wind, hail, lightning, etc.)

• Liability claims (in some cases)

📌 Note: “Vacant” means the home is completely empty—no furniture, no residents. If a home is furnished but no one is living there, it may be considered “unoccupied,” which some insurers treat differently.

Are Squatters Covered Under Vacant Dwelling Insurance?

In most cases, insurance does not cover loss or damage caused by squatters. Once someone takes up unauthorized residence in your vacant property, the legal process to remove them can be long and costly—and insurance typically excludes losses caused by illegal occupants.

Why Not?

1. Intentional Acts Exclusion: Many policies exclude damage caused by intentional or criminal acts, which can include unauthorized entry or vandalism by squatters.

2. Negligence or Failure to Maintain: Insurers may argue that failing to secure your vacant home constitutes negligence.

3. Legal Gray Area: Some squatters can gain tenant-like rights under local adverse possession laws or “just cause eviction” protections, making insurance claims even more complicated.

What Vacant Dwelling Insurance Does Cover

Coverage Type	Typically Included	Squatter-Related Notes
Fire	✅ Yes	Covered, unless caused intentionally by squatter
Vandalism	✅ Optional or Limited	Must be included; damage by squatters often excluded
Theft	✅ Optional or Limited	May not cover theft if home was unsecured
Liability	✅ Optional	Could apply if someone is injured on property
Water Damage (Burst Pipe)	✅ Sometimes	Must prove regular maintenance checks
Squatter-Related Damage	❌ Not Usually	Damage caused by unauthorized occupants is often excluded

Squatters in Connecticut: What Homeowners Should Know

Connecticut, like many states, doesn’t make it easy to evict squatters—especially if they’ve been in the property for an extended period.

• Adverse Possession Law: Under Conn. Gen. Stat. § 52-575, squatters may gain rights after occupying a property openly and continuously for 15 years (with no legal owner interference).

• Eviction Process: Homeowners must pursue civil eviction proceedings, which can take weeks or months, especially if the squatter claims tenant rights.

• Police Limitations: Local law enforcement may not forcibly remove a squatter without a court order unless there’s evidence of criminal activity (e.g., breaking and entering).

How to Protect a Vacant Property from Squatters

Vacant dwelling insurance alone isn't enough—you need a full risk prevention plan:

1. Purchase Vacant Dwelling Insurance

Ensure the policy is active before the home becomes vacant. Add vandalism and liability coverage if not included.

2. Secure the Property

• Lock all doors and windows

• Use smart locks or reinforced hardware

• Install deadbolts on all entry points

3. Install Security Systems

• Motion-sensor lights

• Smart security cameras

• Alarm systems with remote alerts

4. Regular Property Inspections

Visit the property weekly or hire a local property management company to inspect regularly.

5. Maintain Exterior Appearance

• Mow the lawn

• Remove mail or flyers

• Use light timers to mimic occupancy

6. Post "No Trespassing" Signs

These support police intervention if someone enters the property unlawfully.

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Frequently Asked Questions:

Does homeowner's insurance cover damage caused by squatters?

A: Typically no. If the home was considered vacant, your standard homeowners policy may deny any claims, especially if squatters damaged the property.

Can I file an insurance claim for squatter eviction costs?

A: Vacant dwelling insurance does not cover legal or eviction-related expenses. These must be handled through a civil court process.

How do I prevent squatters from moving in?

A: Combine vacant dwelling insurance with active property management, security measures, and visible deterrents like alarm systems and “No Trespassing” signs.

How long can my home be vacant before my current insurance becomes void?

A: Most policies become void after 30–60 days of vacancy. Always check your specific policy or contact your insurance provider.

Protect Your Vacant Property the Right Way

At Insure Connecticut LLC, we specialize in vacant dwelling insurance tailored for homeowners, landlords, and property investors across Connecticut and multiple licensed states.

Whether you're preparing for a home renovation, estate transition, or extended travel, don't leave your property exposed to squatter risks.

Get a free, personalized vacant dwelling insurance quote today. Call us at (860) 970-0977 or visit www.myinsurect.com to get started.