With today's horrible jobs and employment numbers, it means the economic recovery is at best stalled, and at worst, the U.S. could "double dip" back into recession. Houses on the market are not selling, and many are sitting empty.  Vacant homeowners Insurance is a necessity for any house that is on the market sitting empty or unoccupied for over 3 months (this is true in most States.)

The big homeowners insurance companies do not sell vacant home insurance in most U.S. States. Those selling a home, and the home is currently not occupied by the owner or at least, a tenant, need to find vacant homeonwers insurance in the marketplace.

In most States, there may only be 3 or 4 insurance companies that even offer vacant homeowners insurance, and where the product is offered, the coverage is often very limited and not an HO3 "all risk" insurance equivalent.

If you can secure an "all risk" vacant home insurance product, expect the premium to be about 4 x as much as the premium you were paying when living in the home.