Your policy probably contains a "Vacancy Clause" under Section I - Conditions. This usually refers to an insured moving out of the house and taking some or all of the personal property with him. A 30-day trip should not place your coverage in peril. It would be a very good idea to designate a family member or neighbor to check it once a week for you. This would reinforce your homeowner responsibility to protect the property.
Many homeowners believe that their insurance company will provide coverage for a house in which no one is living. This is true�but only to an extent. If your home is unoccupied for 30 days or more, you need unoccupied house insurance. If your insurance company discovers that no one is living in your home, your policy could be cancelled. Why? Unoccupied residences are prime targets for thieves and vandals, therefore making them high risk. Unoccupied house insurance is an attractive option for consumers who are moving, experiencing extended vacations, or have emergencies that take them away from their residence.
I'm not sure if there's a major difference price-wise, but usually an unoccupied house is insured by unoccupied home insurance, as opposed to occupied home insurance.
Insurance is needed for an unoccupied house because it is possible that someone will break in and do damage to it or steal anything that is still in it. It could also be set on fire or flooded.
Homeowners Insurance and the Vacant HomeNo, Homeowners Insurance automatically becomes null and void when a home becomes vacant.You need to add a "Vacant Property Rider" to your policy to ensure continuing coverage during a period of vacancy.
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.
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Homeowners do not like obtaining empty house insurance because they have to pay extra money even though they are not living there. This insurance is useful in protection against vandals and accidents.
if you paid cash for the house do you need homeowners insurance
The insurance company reserves that right.
No, Homeowners insurance is for the house. it does not cover cars or car accident claims.
Unoccupied house insurance provides a level of protection against losses/damaged caused by either natural disasters as well as acts of man-made vandalism that may take place.
No, Hopefully the stranger had a life insurance policy. Homeowners insurance does not provide life insurance or accidental death benefits.