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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.....
Quality Vacant Home Insurance Policy
Vacant Homeowners Insurance Quotes
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