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Vacant Dwelling Insurance

Imagine you just found a steal of a deal on a home.  The home looks like all it needed was some TLC and elbow grease to get back to pristine condition, so you jump at the chance to make this underpriced fixer-upper your future home.  You purchase the home and acquire a typical homeowner’s insurance policy to cover your home while you work on it over the next 4-5 months.  Although you may spend a lot of time at this property during that 4-5-month period, it is still considered a vacant property.  What does this mean to you?  It means that your standard homeowner’s insurance policy will not cover you or your home while you aren’t living there.  Yes, this means that any claim that arises from a covered loss while it is vacant will be denied by your insurance company.

Did you know that most companies consider a home vacant if no one is living there for a period longer than 60-90 days (varies by company)?  So, what can you do to insure the home you just got a great deal on until you restore into your new home?  You need what is called “Vacant Property Insurance”.  This is a policy specifically designed to cover a property where there is no one occupying it for an extended period.  Now, you must also be careful to communicate with your agent to what extent you are renovating the home, as this may require different coverage that can found through a Builder’s Risk policy. 

I know, this insurance stuff can be tricky.  Therefore, having the right agent is so important.  Finding an experienced agent that you feel comfortable communicating your situation can be the difference between having your loss covered, or having your claimed denied.  You can’t go wrong with an agent who has your best interest at heart.  So, go find an agent that is willing to help you sort through your specific situation, and help you tailor fit the best possible policy to keep you covered!

For more reliable information on Vacant Property and please feel free to click the link below to visit TrustedChoice, who we are a proud member of:

Vacancy: Know the Risks - TrustedChoice
Vacant Dwelling Insurance FL

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