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.
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.
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.
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.
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.
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
Yes; "This house has remained unoccupied since the war." is a valid sentence.
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.
Home insurance protects our home property loss.You can get information from the great search engine "Google" about the functions of house insurance .
100 yards if the house is occupied. But, if you either obtain permission from the home-owner or it is "unoccupied" than you are good. Unoccupied can be interpreted differently depending on the game warden present.
yes you should
According to the Wikipedia article "Munich air disaster", the house was unoccupied.
tricky question - there are some limitations on theft/vandalism if the house isn't occupied - there is no specified time limit though for other perils - if insurer finds out you will be cancelled almost immediately (whatever statutory minimum notice is usually 10 business day)