The list of “what-if”-type worries is long once you move on from any owned property. It is not enough that you only THINK you left it protected. You need to KNOW that it is protected and that you are not over-insured (and wasting money) or under-insured and thus at financial risk. You are well advised to discuss your vacant home insurance policy options with an independent insurance agent to ensure that you get it right.
Owners leave their property with varying levels of furnishings that range from zero property to fully furnished. They also leave their property with varying degrees of oversight that range from regular oversight from friends/relatives to zero oversight. This introduces a wide-range of risk for both you and your insurance company. It is absolutely critical that you properly protect yourself and your property with vacant home insurance. This will give you peace of mind knowing that there is an insurance that will protect your home while it is vacant. So if there will be burglars who will cause damage or stole something from your house while there are no people staying in or guarding it, your insurance can somehow help you recover from such loss.
There are insurance providers that will cancel out the homeowner’s policy when the property has been left unoccupied for a certain number of days. So it is not enough that you solely depend on it. The vacant home and property insurance policies that we independently research and we write throughout VA, MD, DC are clearly what the property owners like you need to have.
To find out more about your options on customizing a vacant home and property insurance based on your specific needs, contact TriState Business Insurance.