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Vacant Home Insurance |
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Getting Started: Request A FREE Vacant Home Insurance Quote | Contact Us |
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Vacant homes may seem like the last posession of yours you would like to insure, but unfortunately catastrophe can strike them as well and you want to be sure you aren't stuck paying thousands of dollars on an unoccupied home. Lots of homes don't qualify for standard insurance for many reasons. We offer specialized coverages developed for the unique insurance needs of a vacant home and its owner. Homes in the Vacant Program can be for sale, in the name of an estate, or under renovation. Usually there is no restriction on the age of the home, but in some cases it will. |
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The problem with insuring a vacant house is that it tends to be a
target for thieves, vandals and vagrants who need a place to stay.
If you can have someone check on the house daily, then the risk factor
of insuring the home decreases significantly. However, if you don't have
someone to check on it regularly the risk for damage, and thusly the
risk for an insurance claim, soar. There are many things that can go
wrong if you don't check on the home regularly other than thieves and
vandals, there is potential for flooding from burst pipes and
infestations of vermin or insects.
Often, home insurance companies will give you a window in which a
house can be vacant, such as 60 days (some insurers may allow only 30).
After that, they may reserve the right to cancel your home insurance
policy. Home insurers will often work with you if you have a special
situation — for example, if you bought a new house and are waiting to
sell your vacant house, but are still checking in on it.
A house that is regularly "checked on" shouldn't look vacant, even
though it is. Someone should pick up the mail, mow the lawn, turn on
lights and maybe even park a car in the driveway — anything that makes
it an unattractive target for vandals and vagrants. Additionally, the
person checking on the house should look inside regularly.
Another option is to have a "house sitter" in the home, keeping an eye
on things. If a family member or friend can stay in the home for a
period of time, the home is considered occupied. If family or friends
are not available, house-sitting services are available in most areas,
with rates subject to negotiation in many cases.
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Vacant Home Insurance Quote Let's get started with your Free Vacant Home Insurance quote. Submit a little information and one of our licensed Agents will contact you. |
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