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Insurance coverage for unoccupied buildings is most often a separate policy. It is best to contact your insurer to confirm that you require a unoccupied building policy. Often these policies can be arranged for short(er) terms (for example: 3 month policy for a vacant home that is currently for sale).
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∙ 10y ago
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What purpose does unoccupied home insurance serve?
Unoccupied home insurance helps protect your house when it is empty. It covers what regular home insurance does not, in the case that your house is left unoccupied for a month or more. It covers damage in the case of fire, earthquake, explosion and lightning.
Does homeowners insurance cover pantry pest infestation?
No, Homeowners Insurance Is Hazard insurance for your house, it generally does not provide coverage for pest control services. Pest control is a regular and expected homeowners maintenance issue.
Can jewelry be covered under regular homeowners insurance policies?
nope
Where can I find more details about unoccupied house insurances for my house in Burbank?
If you have regular homeowner's insurance, contact who you have your policy with and see if they offer a service for unoccupied homes. You can also check out http://idealinnovation.myvnc.com/burbank-ca-building-insurance-coverage.html
What if your home is a duplex and you live in one unit what kind of insurance should you get?
You just need regular homeowners insurance, nothing special is needed.
Will homeowners insurance cover a cracked foundation caused by an earthquake?
Only if you have earthquake coverage. A regular homeowners policy excludes damage caused by ground movement or earthquakes.
Will homeowners insurance cover your home if you own a Doberman?
Most insurance companies will not offer you coverage at all. There are a few companies that will give you a regular homeowners policy if you sign an exclusion for animal liability. This means you will have a normal policy except it will not cover any claims having to do with animals.
Does homeowners insurance cover ant infestation?
You could contact your Insurance agent for clarification. But most homeowners insurance policies specifically exclude coverage for animal or insect infestations. This type of thing is generally considered an expected home maintenance issue for which most homeowners have an annual service call from an exterminator service as part of the owners regular maintenance schedule. You likely just need to call for your regularly Exterminator Service to come out and give you a service call.
What exactly is supplemental insurance?
Supplemental insurance is insurance that you can purchase in addition to your regular insurance. It can help pay for expenses such as copayments and deductibles not covered by regular insurance.
How do standard home-owners policies differ from condo insurance policies?
There is some liability with condo insurance since a fire in your home could also do damge to a neighbor. Regular home owners wont cover that since buildings are sperated.
Does home insurance in Florida have to be be based on replacement value?
The Florida Department of Insurance is a great resource for consumers in that state. They are very involved in protecting homeowners from unaffordable premiums and unreliable companies. Try googling "Florida Department of Insurance" to locate their website. If you do not have regular online access you can find their toll free telephone number in the telephone book.
Can you replace SR22 insurance with regular insurance?
It already is Regular Auto Insurance. You just tell your insurance company that you no longer need the sr22 endorsement and they will stop filing it for you.
