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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.

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โˆ™ 2015-07-15 19:54:10
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Q: If you lock up your house and leave on a trip for 30 days or more is your homeowners insurance 'in peril' because the home is 'unoccupied'?
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Unoccupied Property Insurance Important for Vacant Homes?

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.


What is some basic information on unoccupied house insurance?

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.


What is the reason behind having insurance for an unoccupied house?

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.


Does insurance pay for damage if the house is unoccupied?

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.


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.


Homeowners Insurance?

form_title=Homeowners Insurance form_header=Protect one of your most important assets with homeowners insurance. Get the homeowners coverage options to suit your life. Do you already own homeowners insurance?= () Yes () No Does your current homeowners insurance cover flood damage?= () Yes () No () Don't have homeowners insurance Are individual items in your house, such as your TV, covered by homeowners insurance?= () Yes () No () Not Applicable Are you looking to get homeowners insurance or update your current insurance?= () Get Insurance () Update Insurance


Why don't homeowners like obtaining empty house insurance?

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.


Why should you have insurance if it paid for house?

if you paid cash for the house do you need homeowners insurance


Do you have to have your house inspected to get homeowners insurance?

The insurance company reserves that right.


Does homeowners insurance cover hospital from a car accident?

No, Homeowners insurance is for the house. it does not cover cars or car accident claims.


What are the benefits of an unoccupied house insurance?

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.


Does homeowners insurance cover a death of a stranger in your house?

No, Hopefully the stranger had a life insurance policy. Homeowners insurance does not provide life insurance or accidental death benefits.

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