Vacant Home Insurance

Vacant Home Insurance Information                                                                                                                                                                     

Homes that are vacant are considered "high risk" homes and thus need very special attention for insurance.  When a home is vacant (defined as unoccupied for more than 30-60 days depending on the insurance carrier) several significant coverages disappear under a homeowners policy.  These coverage eliminations include coverage for glass breakage, pipes freezing, and vandalism.  Glass breakage and vandalism are certainly a concern, but the largest potential for loss is pipe freezing.  Water damage claims due to pipe freezing are rarely small.  This type of claim routinely totals more than $50,000.  It is important to note that carriers do not consider a cabin or vacation home to be vacant.  There are solutions to these issues, and a PCG agent can help review the best options for you.

 

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