Unoccupied Home Insurance Usa
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.
Empty properties are also seen as more high risk, as they are more likely to succumb to theft and vandalism. There is also the fear of squatters and any damage caused as a result of property neglect for long periods of time. Empty property insurance is also known as unoccupied property insurance or vacant property insurance.
Our unoccupied house insurance policy will not cover burglary, theft, or attempted theft from the home unless the above minimum protections are fitted and in operation when an authorised occupant is not present at the home.
If your home is unoccupied, certain coverage may be limited on your homeowners policy. At that point, you may need vacant home insurance to cover your liability risks. Risks to Vacant Homes
The unoccupied home insurance product provides a solution when existing insurers simply end cover when a house becomes vacant. A great feature of this unoccupied insurance is that if the building is undergoing renovation or refurbishment before being let, we can simply change the cover once occupied, just call us and we'll refund you any
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