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Unoccupied Home Insurance

When And Why Unoccupied Home Insurance Is Needed

If you are unable to live in your home for a period of time, unoccupied home insurance is likely a good fit for you. Whether you are awaiting the sale of your home, renovating your home, or the person living there has passed on or is spending most their time in a nursing or retirement home, there are times that your property may not have anyone living there for a period of time. Unoccupied home insurance can also apply for people that live in two different places, one in the winter and one in the summer. 

Unoccupied Home Insurance Covers Higher Risk

Unoccupied homes are a higher risk, and because of this, the policies that cover unoccupied homes are necessary. Getting more coverage to cover the cost of damages that are more likely to turn into much larger expense-wise than a regular homeowner’s insurance policy might cover.

In order to get the policy that best fits your needs, it is important to have a team that understands the ins and outs of unoccupied home insurance. We are that team. We offer flexible plans that allow you tailor your plan to fit your needs. Unoccupied and vacant home insurance apply based on the following criteria:

If your home is going to be unoccupied for longer than six weeks, it is recommended that doors and windows are secure and that your home has deadlocks. It is also a good idea to talk to your American Insurance agent about the different types of insurance can be purchased. It is possible to get insurance that only covers a more limited number of things than a full coverage policy might. Remember, not being covered for something can result in very expensive repair bills. Coverage for vacant homes can help you cover the costs, and is highly worth it.

Other Insurance To Think About 

There are other things that should be in your thoughts when it comes to unoccupied home insurance. One of these things is the term of the insurance. Make sure to find an insurance company that will cover the term you are looking for, this can be as little as three months for some companies.

In addition to the policy length, you will want to make sure you are covered for a wide range of situations. It is also important to note that if your policy coverage happens during very large projects, you may have more limited coverage. Due to this, for projects such as roofing, structural repairs, and other larger projects, you will want to ask your agent about the specific. We have agents that will take the time to make sure all of your questions are answered and that you have the policy that fits best for you.

Lastly, you will want to consider may add-ons that may help protect you and your family even more. In many cases, it is a good idea to get insurance that covers the belongings inside your home. There is even coverage to help cover the costs of legal expenses if they are needed. Discussing your options with an agent from American Insurance is a great way to learn more about add-ons that will benefit you.

Other Unoccupied Home Insurance Information

If you are having your home renovated, you can get coverage for not only the entire term of the renovations but also for the time that it takes to alter and decorate after your renovations have been made. This extra time can give peace of mind and make sure the job of moving back in is more relaxed.

When it comes to vacant and unoccupied home insurance, it is valuable to have an insurance policy that protects you. When damages happen to an unoccupied or vacant home, there might not be anyone there to prevent that damage from continuing to get worse. This is one of many reasons the insurance is so important. Vacant homes are also more likely to be a victim of theft. 

Final Notes

Home insurance companies are very competitive. If you want to join a team that will protect your assets and your money, American Insurance is here to help with your unoccupied home insurance. We have an active group of agents that are working for you, so you can keep focusing on other things in life. Our highly trained staff is ready to guide you through the next important decision in your life, unoccupied home insurance.

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