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Bill Quickel's - Insurance Plus Agencies Inc. Blog

Does An Unoccupied Home Need Insurance?

11/21/2019

5 Comments

 
Picture
​If you find yourself in possession of a house with no occupants, a vacation home, a retirement home or a home that you are planning to rent out someday, you may question whether it's worth buying home insurance to protect it while it is vacant. Here's what you need to know:
  • ​Home insurance is never a legal requirement. If it is mandatory, it is mandatory because of the terms of a loan or mortgage. If this is the case, then of course, it will come down to whether your lender insists that you insure your unoccupied home while you still do not own your home free and clear. It will be very difficult to find a lender who does not require unoccupied homes to be insured.
  • If you own your home outright, then it is down to personal discretion whether you plan to insure an unoccupied home. It is difficult to recommend in favor of letting home insurance lapse because nobody's living in it. Uninsured homes can still be damaged by broken pipes and storms, they can still be broken into, and with nobody around to control the damages, there's a lot that can go wrong.
  • A standard policy is likely not going to cover certain damages for an unoccupied home. To make up the difference, you will want to look into vacant home insurance. This is a plan that can help you to get vacation homes covered, to cover your rental property between tenants, or help to keep you covered if you spend weeks at a time away from the house.
When it comes to insuring your home, the question of necessity is less about regulation and law — what's mandatory — but whether or not you feel comfortable with your level of protection. If you leave a home, unoccupied or otherwise, uninsured, then any damages that befall the home will have to come out of pocket, and will likely far outweigh anything you would have paid to maintain your policy.

If you have a home that you are leaving unoccupied for weeks at a time, make sure to get an unoccupied home policy in place. Don't expect a standard policy to provide a vacant home with the same level of coverage as it provides an occupied home.
Blog Post by: ITC
5 Comments
FDP Mold Remediation Jersey City link
11/7/2020 06:44:39 am

There is a type of mold that can actually be dangerous to your health if it is found in your home or workplace building. This is black mold, and it can be toxic to human lungs if it is breathed in for too long. Getting rid of black mold is a vital process, which can be done by hiring professional mold remediation companies.

Reply
Locksmith Washington DC link
12/27/2021 12:52:04 am

If you want to save your home from intruders, always choose professional and advanced locksmiths because they install the best locks, which are tough to break.

Reply
Garage Door Repair Winnetka CA link
3/15/2022 05:43:12 am

If you want to protect your home from intruders, always get in touch with professional and licensed locksmiths for the installation of the best security gadgets to avoid crime incidents.

Reply
metalroofingsudbury.com link
11/21/2022 07:16:52 am

I still think it might be a good idea to get home insurance even if no one is living there. People can still break in and damage the property

Reply
cincinnati-seo.org link
2/22/2023 05:15:04 am

I believe that as long as it is your property, home insurances should still be paid because there are a lot of unexpected things that might happen in the future. That way, you're rest assured that your house is 100% insured at all cost.

Reply



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