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Around Robinson Road, several properties had been broken into. At No. 265, a middle-aged Black couple had recently crawled in through the front window. When Evans told them to leave, they apologized; the man was a jazz musician, and they said that they were struggling with crystal-meth dependency and that they used to sleep in this house before Evans arrived.
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How much does vacant home insurance cost?
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In the fall of 1983, when Derrick Stevens, a friend from juvenile detention, asked if Evans wanted in on a bank robbery, Evans said yes. “I never thought of robbing a bank, but I did know that that’s the building with the money in it, and if you got a lot of money you could do anything you want in America,” Evans told me. Even as renters, Black people are in a uniquely precarious situation. Their siblings or family members—many of them are one paycheck away from being homeless themselves.” A 2016 report found that white households in L.A. Have a median net worth of three hundred and fifty-five thousand dollars; the figure for Black households is four thousand dollars.
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Policies vary, but you may also be able to get coverage for theft, vandalism and personal liability. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. We believe everyone should be able to make financial decisions with confidence. Overall, "Empty House" delves into the narrator's internal struggles, their yearning for a sense of belonging, and the accompanying feelings of isolation and longing for meaningful connections.
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They washed the walls, installed a water heater, and set up their children’s bunk beds. Two months later, Alameda County sheriff’s deputies arrived in riot gear and removed them. Yes, but if the home is unoccupied for more than a month or two, it may not qualify for a standard homeowners insurance policy. Alert your insurance company before an extended absence to make sure you have the right coverage. Say someone shatters a window to get into your house, which has been empty for three months.
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In the end, the 2008 crash made housing in California even more expensive. For instance, a lower-income homeowner of a deteriorating row house might be willing to a swap for a newer, smaller apartment in an elevator building, if there was a program for that. Some baby boomers, the generation now between the ages of 60 and 78, are happy in their large homes, using the extra bedrooms for hobbies and visiting family. Others say they want to downsize, but it just doesn't make sense financially. Let your insurance company know in advance of any major renovations so you can discuss coverage options. If you already have insurance on the house, start by calling your current agent or insurance company.
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The house is paid off, and Murray has wanted to downsize for a while, but she says homes that fit what she's looking for – 2,000 square feet, all on one level, in the same suburban area – sell quickly and for a lot of money. "What a lot of us have done is not walled off the extra bedrooms, but closed the doors, and you try not to have to maintain them," she says. Many elements of "The Adventure of the Empty House" were used in the 1939–1946 Sherlock Holmes film series starring Basil Rathbone and Nigel Bruce. In Sherlock Holmes and the Secret Weapon (1943), Holmes disguises himself as a German bookseller in Switzerland.
In some cases, you may be able to keep more comprehensive homeowners insurance coverage if your home is unoccupied rather than vacant. Vacant home insurance is coverage for houses where no one is living for an extended period of time. This might include a home you inherit after a parent dies or a rental property that’s empty between tenants. Mychael Lindsey, another house sitter, didn’t like how Wedgewood acquired properties from people who had lost them in distress, but he told me that he’d made his peace with it, and at least he loved how Wedgewood renovated them. “All of our signature houses have the pretty cream carpet, the gray wood floors that are really nice, that mix with the gray granite tops,” he said. The housing shortage was caused, in part, by restrictive zoning, rampant NIMBYism, and the use of California’s environmental laws to thwart urban development.

Some companies will let you add coverage for other structures on your property, such as a detached garage or shed. And even if the house is mostly empty, you may want personal property coverage for belongings such as a lawn mower or tools you use to maintain the home. Personal liability insurance can help if someone is injured on your property and you’re found to be at fault. For example, if a worker slips on your steps because no one’s been around to shovel the snow, liability coverage could pay for their injuries.
Skirted tables, once considered entirely outdated, are seeing a resurgence in home décor. "Skirted tables can snuggle into a corner like nothing else," says Mathews. "And the fabric can instantly add softness and pattern to what might be a boring corner."
Moosa, like many Black Gen X-ers, fared worse than his parents. In 1998, Evans rented a derelict office in South L.A., across from the Magic Johnson Theatre, to work on his poetry and various business projects, including a short-lived toilet-paper-delivery service. One day, he gave a CD of himself performing his poetry to a woman who worked in the salon downstairs; he’d noticed her singing to herself as she braided hair. They had two sons, and eventually, afraid that their children would become involved in the local gangs, they moved with Evans’s mother-in-law and brother-in-law to Moreno Valley, a suburb with a fast-growing Black population.
Moosa took a selfie and texted it to her along with a picture of his state I.D. Soon afterward, a driver picked up Moosa and took him to an apartment complex in Buena Park, an affluent area in Orange County. But as an outsider in white suburbia, without a car or money, he went hungry. After several days, he texted his brother, who drove him to a Wendy’s. Moosa took a sip of cold soda and his system was so shocked that his entire body began to shake. The foreclosure crisis was ruinous to L.A.’s Black communities, in part because residents, after decades of being denied mortgages, had been disproportionately targeted for predatory loans and reverse mortgages.
“Can’t be no Black Panther and follow all the rules,” he joked. For the first time in more than a decade, rents have stopped rising, but income has fallen precipitously. County—a group that is disproportionately Black and Latino—at least three hundred and sixty-five thousand households currently don’t have an adult with enough income to pay the rent. Montano told Evans to leave for a couple of days, to escape the fumes. Usually, he slept in his car (as does about a third of Los Angeles’s homeless population), but a strong El Niño had brought heavy rain to California. He accepted Montano’s offer to “bunk up” with another house sitter, in Compton, in South L.A., where the city’s rents are rising the fastest and where Black residents are most likely to be homeless.
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