Cheap vacant home insurance Policy - Made Possible

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It can be difficult to insure a vacant home. Insurance companies may balk at insuring vacant homes unless you can promise that there is someone checking on the home frequently.

However,before you start shopping on vacant home insurance coverage,there are few questions that the insurance provider will likely want you to answer are:

Is the home currently for sale?

How long will the property be vacant?

Does someone check on the house regularly?

Is the house itself secluded from view?

The problem with insuring a vacant house is that it tends to be a target for thieves, vandals and vagrants who need a place to stay.

If you can have someone check on the house daily, then the risk factor of insuring the home decreases significantly. However, if you don't have someone to check on it regularly the risk for damage and insurance claim, soar. There are many things that can go wrong if you don't check on the home regularly other than thieves and vandals, there is potential for flooding from burst pipes and infestations of vermin or insects.

Most insurance companies will allow you a small window of time for the house to be vacant, usually three months (90 days)-and after that period of time, they can cancel the home insurance policy. You should check with your insurance company regarding their vacant house policy. The insurance company is also likely willing to work with you if you have a special situation, such as waiting to sell your old property after you have moved into a new one.

Another thing to consider is that your 'vacant' home shouldn't look as if it is vacant. Someone should be taking care of the outside of the house, such as mowing the lawn, picking up the mail, turning on lights and even parking a vehicle in the driveway. This will make your vacant house less attractive for vagrants and vandals.

There are also special homeowners policies for vacant homes that are offered by some insurance companies. These special vacant home insurance policies can be difficult to find, but an insurance agent will be able to help you locate one.

To Start With, Get Connected With Trusted Agents To Get Cheap Quality Vacant Home Insurance Policy. Check The Links Below.....

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Cheap Vacant House Insurance - Where to Get It

Do you have a vacant house that you need insured? Want to get cheap vacant house insurance with a top-rated company? Read on ...

Vacant House Insurance Tips

If you own a home that's vacant you want to protect it from vandals, burglars, fire, and acts of nature. Here are some tips on how to protect your vacant house:

* Make sure you secure all doors and windows with deadbolts and window locks.

* Install a burglar alarm. The best alarms use motion sensors and glass-breakage detectors and are linked to a local security service.

* Give you house a lived-in look. Install intermittent light timers, have a neighbor pick up your mail, and have someone shovel your driveway after a snowfall.

* Ask a neighbor or hire someone to periodically check the outside and inside of your home for damage, especially after a storm.

Getting Cheap Vacant House Insurance

Vacant house insurance is generally more expensive than regular homeowners insurance because there's no one living in the house to watch and protect it. However, if your house is vacant for only a short period of time, or if you hire a caretaker to look after it, your insurance rate will be less.

Other ways to save money are:

* Purchase your vacant house insurance and your car insurance from the same company. This can save you up to 30% on your insurance premium.

* Raise your deductible to an amount you can afford. Raising your deductible from $500 to $1,000 can save you 15% to 25%.

* Install safety and security features like dead-bolt locks, window locks, smoke detectors, fire alarms, and sprinkler systems. This can save you 5% to 20%.

* Compare insurance rates with at least three different companies. This is the biggest money-saver of all, as insurance rates can vary by as much as $1,000 or more from one company to another.


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