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Does homeowners insurance cover a vacant inherited house?

Short answer

Many policies limit coverage after a home is vacant for a period. Tell the insurer and ask about vacant-home coverage.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

IRS: basis of inherited propertyirs.gov
CFPB: inheriting a homeconsumerfinance.gov
FTC consumer advice: real estate scamsconsumer.ftc.gov