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Homeowner's Insurance

Can you get insurance for a home you are not living in?

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2015-06-05 17:00:50
2015-06-05 17:00:50

Insurance for your other home. Yes, If your occupancy status has changed, you have moved or if you just plan not to occupy you will need to notify the Home Insurer. If you'll be leaving the home vacant for a while then you'll need to ad a vacancy endorsement to avoid voiding your coverage. If you rent the home out you'll need a rental coverage endorsement.

Occupancy changes of the home can significantly change your insuring needs and associated risk factors and can void all coverage if not properly issued or endorsed.

Your Insurer of choice can advise you of appropriate coverage.

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Rental Properties, Vacant and Seasonal Homes Yes. The following types of Home Owners Policies may be what you need.. 1. Rental Property Coverage, 2. Vacant property Policy or 3. Seasonal Home Policy. Home Fire Insurance Also known in some areas as "Fire Insurance" or a "Fire Policy". IF it is vacant or un-occupied you may have trouble. If it is a seasonal property in most cases the insurance company may require your perm residence to be insured with them as well...this may also apply to the fire policy as well.

More input from others:

  • You have to list it as a rental property and change the insurance type coverage to rental unoccupied.
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