Published at Wednesday, April 04th, 2018 - 19:50:36 PM. Unoccupied Home Insurance. By Durand.
An insurance company may be willing to work with you if you can assure them that someone will be looking over the house. Maybe a property manager or a friend or relative could check in on the house every so often. Vacant home insurance can be costly and hard to find but being without coverage can be financially devastating if something were to take place to your home. Some insurance companies do present insurance particularly made for vacant homes, even though it is not always at a cheap cost. If you get yourself in this form of situation, your best bet would be to shop around and try to find the best priced policy. A number of major insurers and surplus-line insurers do offer vacant-home insurance -- for a stiff price, certainly.
It's very important to have a good homeowner's insurance policy to protect such a huge investment but if your home is vacant it can be difficult and expensive to get the coverage you need. There are a number of reasons why a house can be empty. Maybe you are a landlord and your tenant has moved out. Maybe you are moving and have not been able to sell your old home yet. Whatever the reason, vacant home insurance can be hard to come by. Some companies simply will not provide coverage for an empty house. If you can find an insurance provider that will work with you it's usually going to be quite a bit more expensive to ensure an empty house than a house with someone living in it. The reason for this is because an empty house is a target for thieves and vandals. There are also liability issues. If your home is vacant and someone hurts themselves on your property you, or your insurance company, may still be liable for any injuries sustained.
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