I just quoted a home in Texas for vacany Insurance. 3 month policy through Lloyd's- $1016.00. For a home $315,000 value. Yeah, vacancy insurance is expensive. But then again, if your home is vacant, and you have a loss, AND your insurance company finds out that you had a vacancy. Guess what- YOU HAVE NO COVERAGE! I think maybe you still have fire, but nothing else. Roll the dice if you must. But I think it's better to be safe than sorry. Buy the insurance!!!!