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I forget which is which but if I recall, vacant is the haunted house on the hill and unoccupied is the summer home or the winter home in FL etc.

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โˆ™ 2006-04-17 19:33:51
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Q: When making sure of satisfactory coverage for a homeowner's policy is there a difference in the terms unoccupied or vacant?
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Fire Legal Liability Insurance for unoccupied home?

Homeowners coverage should satisfy requirements.

What does 'unoccupied' refer to in your household policy and is it completely transparent?

Unoccupied usually means nobody is living there. Usually voids homeowners coverage and prompts a letter to the owner and a notice of policy cancellation if not remedied. Unoccupied homes require Vacant property insurance.

If a home is unoccupied does it nullify the insurance?

Homeowners Insurance for Vacant Homes.Yes Homeowners Insurance is automatically null and void when a home becomes vacant. You should have a "Vacant property rider" added to your Homeowners Policy to ensure continuing coverage during a period of vacancy.

Does regular homeowners insurance cover unoccupied buildings?

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).

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.

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.

Does homeowners cover an unlicensed motorcycle?

Homeowners Insurance does not provide coverage for motor vehicles.

What is covered in a state farm fire and casualty company dwelling coverage a?

Coverage A on any homeowners policy includes the dwelling itself. This is the home without including the contents. The coverages under a homeowners policy are as follows: Coverage A: Dwelling Coverage B: Other Structures Coverage C: Contents Coverage D: Loss of Use Also provided under most homeowners policies are liability coverage and medical payments to others.

Can an automobile stay in a homeowners lot with out insurance?

Yes but there is no coverage for the vehicle under the homeowners policy.

Does homeowners insurance cover vandalism to a visitors car in your driveway?

No. Homeowners Insurance does not coverage for automobiles.

Can you have homeowners insurance without wind coverage?


What is the difference between liability and medical coverage under homeowners?

Liability = Legal Obligation to Pay. Medical Expenses = Moral Obligation to pay.

Will homeowners insurance cover pet care after a fire?

No, your homeowners insurance would not provide coverage for your pet.

Why is it better to get a homeowners coverage vs a fire dwelling coverage?

It depends on your needs. For a home that is occupied by the owner, a homeowners policy does offer more coverage. However, it also includes more requirements and is more restrictive on the policyholder.

What is the difference in broad coverage homeowners insurance and other types of home insurance?

Home insurance, also commonly called hazard insurance or homeowners insurance (often ... or loss of other personal possessions of the homeowner, ... 1.1 History; 1.2 Types of policies; 1.3 Coverage rates; 1.4 Classes of coverage ... HO2 – Broad Homeowner Policy: A more advanced form that provides coverage on a home

Will house insurance cover roof insulation damage done by squirrels when home unoccupied for 2 months?

Typically, there is an exclusion in a homeowners policy for damage done by vermin, such as squirrels. The other thing to consider is that the policy may consider the home to have been unoccupied as defined by underwriting guidelines if no one lived in it for that long. If so, there may be yet other coverage issues to be faced.

Does homeowners insurance cover theft of car from driveway?

Homeowners insurance and Auto TheftNo. Homeowners Insurance does not provide coverage for Automobiles. You will need to file that with your Auto Insurance company if you have comprehensive Auto Coverage.More sNO. That would be something that auto insurance would cover if you had full coverage including theft. Homeowners, does not cover motorized vehicles, except in specific cases.

What are the two type of coverage provided by a homeowners insurance policy?

Property and Liability

Is Coverage A included in Section 1 of the homeowners insurance?


Is there a deductible on the Medical Coverage portion of Homeowners' insurance?

No. The medical coverage and liability sections of a homeowners policy do not contain any deductibles. These sections do not cover the homeowner or any household residents.

Can an intoxicated minor file a med pay claim against your homeowners insurance?

medical payments to others is no fault coverage - it makes no difference if the person is intoxicated or not

Does homeowners insurance cover slashed tires?

NO. Homeowners insurance policies do not provide coverage for automobiles. That's what auto insurance is for.

Does a standard homeowners insurance policy cover the death of the insurer?

No, Homeowners Insurance does not provide the coverage of a life insurance policy.

Which form of homeowners policy provides coverage for the most risks?


How much is homeowners insurance?

The cost of homeowners insurance can vary greatly depending on factors such as where the home is located and the type of coverage desired.