A Vacant Home, Doesn’t My Homeowner’s Policy Still Cover It?

Say you purchase and move into a new home but your old home still hasn’t sold.  Or you have inherited a house and cleaned out all the contents.  Should you be concerned about the homeowner’s coverage on these homes? YES! The moment that you move everything out of the home, that home is no longer occupied and your homeowner’s policy needs to be changed.

After 30 days of being vacant, the following coverages are no longer available:

• Vandalism
• Malicious mischief
• Glass

After 60 days of being vacant, the following coverages are also removed:

• Fire
• Lightening

Can you see where these vacant homes are vulnerable?  If you have a home is vacant for any reason, please contact your Insurance Agent to discuss your options before a loss occurs.