Whether you travel a lot or need to spend an unusual amount of time away from your home, it doesn’t make it any less important to keep your property and belongings safe and secure. Part of getting the protection you need is to get comprehensive insurance to cover any and all untoward incidents that may happen to your property while you are away.
While you may have the regular homeowners insurance already, there is another type of insurance that may come in handy in your particular scenario: vacant and unoccupied home insurance. This blog post will shed light on the reasons why you may want to get this type of insurance for your home.
Vacant and Unoccupied Home Insurance: A Beginner’s Guide
Before we delve into anything, it is vital that we define what kind of insurance this is. In a nutshell, this type of insurance is one that protects your uninhabited home from theft, vandalism, and property damage. Regular homeowners insurance is designed to cover your home in case of damage and theft when the home is occupied. Vacant and unoccupied home insurance, on the other hand, will provide coverage for these individual problems that may wreak havoc on an unoccupied home, such as burst pipes, tree branches crashing through windows during bad weather, and other potential problems.
Instances When You Might Need It
If you are not at home for most of the time, here are some of the reasons you may want to take out this type of insurance.
1 – Renovations Are Being Done
There may be a lot of risks that accompany renovations. This is why taking out vacant and unoccupied home insurance should be done to ensure that any damage that happens during the renovation will be covered.
2 – You Are Planning to Sell Your Home
If selling your home is part of your long-term plan, taking out this type of comprehensive insurance will protect your property from harm until you are able to sell.
3 – The House Is Not Your Main Home
Although vacant and unoccupied home insurance does not cover vandalism and theft if the home is uninhabited for more than 60 days, the advantages of having it outweigh the cons. Risks such as fire or water damage are still very real possibilities that may happen and this insurance can provide coverage for them.
4 – Medical Treatment Is Preventing You From Returning Home
If you are undergoing medical treatment, or have any other reason why you may not be at home for some time, vacant and unoccupied home insurance will be able to provide the necessary coverage should anything go wrong while you are gone.
Conclusion
To ensure that any damage or untoward incidents happen while you are away, taking out this specific type of insurance is the key. It will make all the difference in making sure that any expenses that you incur as a result of your being away from home will be covered. Also, working with the right insurance company will also be a crucial step in the right direction in making sure that you are able to get the best type of insurance for your needs.
Make sure you have all the insurance you need by working with Quesurance. Our insurance agency has served Hopatcong and the surrounding New Jersey communities by protecting the people we work with just like we protect our own family members. Get the vacant home insurance for Florida homes today!
