{"id":3358,"date":"2025-09-04T10:37:28","date_gmt":"2025-09-04T10:37:28","guid":{"rendered":"https:\/\/goldenroosterinsurance.com\/blog\/?p=3358"},"modified":"2025-12-29T18:03:02","modified_gmt":"2025-12-29T18:03:02","slug":"insurance-for-unoccupied-house","status":"publish","type":"post","link":"https:\/\/goldenroosterinsurance.com\/blog\/insurance-for-unoccupied-house\/","title":{"rendered":"Insurance for Unoccupied House: Do I Need It?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Ahmed, 52, a veteran, came to me a couple of months ago. He said he had just inherited his parents\u2019 home but he wasn\u2019t planning to move in anytime soon. He had just one question for me: \u201cWill my regular homeowners insurance cover the insurance for unoccupied house?\u201d<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3482 size-full\" src=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Depositphotos_332059238_S.jpg\" alt=\"A 52-year-old veteran named Ahmed stands in a field, wearing a military uniform.\" width=\"1000\" height=\"667\" srcset=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Depositphotos_332059238_S.jpg 1000w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Depositphotos_332059238_S-300x200.jpg 300w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Depositphotos_332059238_S-768x512.jpg 768w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Depositphotos_332059238_S-150x100.jpg 150w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">As I walked him through the details, I showed him that most standard home insurance policies don\u2019t fully protect a property once it\u2019s unoccupied for too long. There are potential risks but also there are specialized coverage options that are available, and gaps he could avoid leaving him financially exposed.\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/insurance-for-unoccupied-house\/#What_Is_an_Unoccupied_House\" >What Is an Unoccupied House?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/insurance-for-unoccupied-house\/#Does_Homeowners_Insurance_Cover_an_Unoccupied_House\" >Does Homeowners Insurance Cover an Unoccupied House?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/insurance-for-unoccupied-house\/#Does_Insurance_for_an_Unoccupied_House_Exist\" >Does Insurance for an Unoccupied House Exist?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/insurance-for-unoccupied-house\/#Who_Needs_Insurance_for_an_Unoccupied_House\" >Who Needs Insurance for an Unoccupied House?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/insurance-for-unoccupied-house\/#Risks_of_Leaving_a_Home_Uninsured_While_Vacant\" >Risks of Leaving a Home Uninsured While Vacant<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/insurance-for-unoccupied-house\/#How_Much_Does_It_Really_Cost_for_This_Insurance\" >How Much Does It Really Cost for This Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/insurance-for-unoccupied-house\/#How_Do_You_Get_Insurance_for_an_Unoccupied_House\" >How Do You Get Insurance for an Unoccupied House<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/insurance-for-unoccupied-house\/#What_are_the_Alternatives_and_Temporary_Coverage_Options\" >What are the Alternatives and Temporary Coverage Options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/insurance-for-unoccupied-house\/#Final_Thoughts\" >Final Thoughts<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_an_Unoccupied_House\"><\/span><b>What Is an Unoccupied House?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Insurance companies make a clear distinction between unoccupied and vacant:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Unoccupied:<\/b><span style=\"font-weight: 400;\"> If the house still has its furniture and some utilities, but no one is currently living there. (For example, you moved out temporarily or are away on a long trip.)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Vacant:<\/b><span style=\"font-weight: 400;\"> If the house is empty, meaning no people, no belongings\u2014no furniture, no signs of anyone residing or living there.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This matters because when insurers see vacant homes as higher risk. For example, when a water leak has gone unnoticed for weeks, or in some instances an empty house might attract vandals.<\/span><\/p>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3483 size-full\" src=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Depositphotos_82867286_S.jpg\" alt=\"A house under construction, surrounded by scaffolding, showcasing the building process and materials used.\" width=\"1000\" height=\"667\" srcset=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Depositphotos_82867286_S.jpg 1000w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Depositphotos_82867286_S-300x200.jpg 300w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Depositphotos_82867286_S-768x512.jpg 768w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Depositphotos_82867286_S-150x100.jpg 150w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/h3>\n<h3><b>Common scenarios where this applies:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you are still waiting to sell your old home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you have undergone any major renovations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In probate after a loved one passes<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The house is a seasonal vacation home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you are in a long-term travel commitment or enlisted for a military deployment<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Does_Homeowners_Insurance_Cover_an_Unoccupied_House\"><\/span><b>Does Homeowners Insurance Cover an Unoccupied House?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Want the short answer: Well, not usually, (at least not fully). Most of the homeowners policies include a vacancy clause\u2014typically 30 to 60 days. After that, certain coverages (like theft or vandalism) may be excluded, and claims could be denied. That\u2019s why it\u2019s always risky to assume that your empty home is still fully protected under your standard policy.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Does_Insurance_for_an_Unoccupied_House_Exist\"><\/span><b>Does Insurance for an Unoccupied House Exist?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Fortunately, yes, even if no one lives there or is unoccupied you can insure a house. The solution is a specialized unoccupied home insurance policy or an endorsement added to your current plan.<\/span><\/p>\n<h3><b>Typical coverage includes:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fire and lightning<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Theft and vandalism<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Weather-related damage (wind, hail, storms)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability (if someone gets hurt on the property)<\/span><\/li>\n<\/ul>\n<h3><b>Optional add-ons may cover:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water damage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contractor liability during renovations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extended liability for longer vacancy periods<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Who_Needs_Insurance_for_an_Unoccupied_House\"><\/span><b>Who Needs Insurance for an Unoccupied House?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3360 size-full\" src=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_25_4516291037.jpg\" alt=\"A man and woman are conversing with an older man, who listens intently, creating a warm and engaging atmosphere.\" width=\"1146\" height=\"765\" srcset=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_25_4516291037.jpg 1146w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_25_4516291037-300x200.jpg 300w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_25_4516291037-1024x684.jpg 1024w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_25_4516291037-768x513.jpg 768w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_25_4516291037-150x100.jpg 150w\" sizes=\"auto, (max-width: 1146px) 100vw, 1146px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">You may need this type of insurance if you\u2019re:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A homeowner who moved but hasn\u2019t sold the old property<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A landlord between tenants<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A real estate investor holding property<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A house flipper mid-renovation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An executor managing an inherited estate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A vacation homeowner who only visits seasonally<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Risks_of_Leaving_a_Home_Uninsured_While_Vacant\"><\/span><b>Risks of Leaving a Home Uninsured While Vacant<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Without proper coverage, you\u2019re open to serious risks, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Theft and vandalism because empty homes are easier targets<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Undetected damage like a burst pipe or fire that spreads before anyone notices<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Increased liability if someone trespasses or gets hurt inside your property<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Voided claims under your standard homeowners policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legal trouble if a third party sues for injuries on the property<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_Much_Does_It_Really_Cost_for_This_Insurance\"><\/span><b>How Much Does It Really Cost for This Insurance?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Insurance for unoccupied home insurance usually costs 1.5 to 3 times more than standard homeowners coverage.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3361 size-full\" src=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_27_9512969628.jpg\" alt=\"Infographic on buying a home in the USA, highlighting steps and discussing home insurance costs.\" width=\"1146\" height=\"591\" srcset=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_27_9512969628.jpg 1146w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_27_9512969628-300x155.jpg 300w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_27_9512969628-1024x528.jpg 1024w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_27_9512969628-768x396.jpg 768w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_27_9512969628-150x77.jpg 150w\" sizes=\"auto, (max-width: 1146px) 100vw, 1146px\" \/><\/p>\n<h3><span style=\"font-weight: 400;\">Factors that affect cost include:<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The location and neighborhood crime rates<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How long will the home be vacant<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The property value and condition<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safety features (alarms, cameras, fencing)<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Ways to lower your premium:<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you install a monitored security system<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you keep utilities on (especially heat in colder climates)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Track and schedule regular inspections by a caretaker or neighbor<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_You_Get_Insurance_for_an_Unoccupied_House\"><\/span><b>How Do You Get Insurance for an Unoccupied House<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Here\u2019s how to secure coverage:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can always check with your insurance provider, see if they are offering an endorsement or extension.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can work with an independent insurance broker because they can explain and compare multiple specialized policies.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Just ask the right questions:<\/span><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How long can the house remain vacant?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What perils are covered or excluded?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Can I cancel once the home is occupied again?<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Alternatives_and_Temporary_Coverage_Options\"><\/span><b>What are the Alternatives and Temporary Coverage Options<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If your situation is short-term, you may not need a full unoccupied home policy. Alternatives include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Take a Builder\u2019s risk insurance if the home is under renovation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Take Landlord insurance if it\u2019s for short gaps between tenants.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There is also a Short-term vacant home policy which has flexible month-to-month coverage.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You can usually switch back to a standard homeowners policy, once the home is occupied again.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Thoughts\"><\/span><b>Final Thoughts<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Even if a house is empty and unoccupied, it doesn\u2019t mean that it is free of risks, it is actually the other way around. The good news is with the right kind of guidance and coverage, you can avoid the risks and keep the place protected until it can be occupied again. All you need is peace of mind and making sure your home is safe while you figure out your next steps.<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ahmed, 52, a veteran, came to me a couple of months ago. He said he had just inherited his parents\u2019 home but he wasn\u2019t planning to move in anytime soon. He had just one question for me: \u201cWill my regular homeowners insurance cover the insurance for unoccupied house?\u201d As I walked him through the details,&#8230;<\/p>\n","protected":false},"author":1,"featured_media":3415,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[17],"tags":[],"class_list":["post-3358","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"taxonomy_info":{"category":[{"value":17,"label":"Insurance"}]},"featured_image_src_large":["https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Article-covers-1024x576.jpg",1024,576,true],"author_info":{"display_name":"Janeth Ochoa","author_link":"https:\/\/goldenroosterinsurance.com\/blog\/author\/janeth\/"},"comment_info":0,"category_info":[{"term_id":17,"name":"Insurance","slug":"insurance","term_group":0,"term_taxonomy_id":17,"taxonomy":"category","description":"","parent":0,"count":20,"filter":"raw","cat_ID":17,"category_count":20,"category_description":"","cat_name":"Insurance","category_nicename":"insurance","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/3358","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=3358"}],"version-history":[{"count":3,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/3358\/revisions"}],"predecessor-version":[{"id":3484,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/3358\/revisions\/3484"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/media\/3415"}],"wp:attachment":[{"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=3358"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=3358"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=3358"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}