 Will insurance cover this? |
| Ok I am drawing a blank on this, and whats sad is I should know this answer. We have a travel trailer, our travel trailer policy covers for comp but not collision cause we were at a permanent lot, ... |
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 Injured person, employer refusing light duty? |
| I injured my back (not at work), doctor wrote me out for 5 days then released me back to work on light duty. I am in the nursing assistant field in a local skilled nursing facility. However, when I ... |
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 Car insurance? |
| i cancelled my car insurance which i pay by installments i paid £75 at the beginnning and monthly premiums of £67 i cancelled the other day and on the phone they said i might have to pay a ... |
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 Anyone know if pregnancy is considered a pre existing condition according to NH health insurance companies? |
| My friend's sister is 8 months pregnant and has no had prenatal care. Her new job is telling her the health insurance did kick in but that the pregnancy and delivery won't be covered. I ... |
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 Is there a list of the top Life Insurance companies? |
| Doing research into which life insurance companies are good to work with. Is there a list of the top or best ones?... |
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 Do all car insurances check your credit? |
| Is there anyway you can still get car insurance if you have bad or no credit? Which insurance agencies are more leanient?... |
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 Would you please answer my questionnaire through e-mail? |
| I am management student, I am conducting survey on subject: 'Why do people hesitate to buy life insurance policy' Please answer my brief questionnaire which I will send you through e-mail . ... |
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 Home Insurance Claim - leak three months ago, is it too late too claim? |
does anyone know whether I could make a claim for water damage to my kitchen which occured approx three months ago-or is it too late?
We didnt think to put in a claim at the time (water ... |
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 How much homeowner's insurance do I need? |
| I am purchasing a peice of property and a modular home that is not new, it is maybe 10 years old. I am doing the whole owner finance/contract for deed deal so I am having to pay 120,000 for the ... |
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 Medicare Part A and B question? |
| This is a question for my mother. She will be entitled to Medicare part A and B this November. Supplements that we looked into are not good for her because she has cancer at age 57 and the ... |
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 Would you buy a book that educates people about insurance contracts? |
| If there was a short and understandable book available, would you pay anything for it?... |
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 How can one avoid paying flood insurance? |
| Suppose your bank makes you buy flood insurance, but you don't want to pay the extra thousands of dollars?... |
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 Insurance or just get glasses without insurance? |
| what is cheaper? i am the only one in my family who might have to get glasses. i want to get glasses, contacts, and colored contacts.... |
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 Can someone get life insurance on you w/out you knowing about it? |
| Like if your partner took a life insurance policy on you, paid it but, w/out you knowing you even have it.... |
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 Refused health insurance!? |
My mom has a friend that has serious medical conditions.She recently got a check up and they told her she needs to go through surgery.
She's a U.S citizen! 30 yrs. old and they have refused ... |
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jgj1835 | Can your homeowners insurance be cancelled if you are not living in your home for a year? |
We are planning on returning in a year & have left everything in the home. |
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mbrcatz
 |
It doesn't usually take that long - once your house is unoccupied for 30 days, automatic coverage suspensions take place, and the insurance company can cancel or non-renew your policy, in accordance with your state law.
If you want to be sure everything is ok, you need to go get a vacant property policy in place BEFORE you leave, because it might be just about impossible to do it long distance. |
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blcohen529
 |
Your insurance policy controls your answer. Your policy might require owner occupancy...call your agent and find out the answer. You might have to pay a premium if you do not presently occupy the property. |
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Lee N
|
Cancellation rules are generally determined by the Department of Insurance, but there is definitely a material change in status (risk) here so it is worth talking with your agent about. The primary issues are making sure that the home is secure (perhaps a housesitter and/or security service to check on the home and make sure that if a water line breaks or the heat cuts out that the home will be safe). It may be wise to consider shutting off the water to the home and draining the system to avoid water/freeze losses. I suspect you can maintain your coverage, but there may be a rate factor (increase). Call your agent and be honest with them and they will work you through the issues. They may also be able to assist you with some of the logistic issues (handyman, security, house sitters). Enjoy. |
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Ǫǖɛɛɳ Ƥɛļá¹ÅŸÄ¯
|
The property needs to be occupied for home owners insurance. |
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fighting saints
|
Every Homeowners policy I have dealt with has a clause that states that coverage is void if the house remains unoccupied for 60 days (It used to be 30 days). I have had the unfortunate job of denying claims to people in this situation.
You need to check with your agent about getting a Dwelling Policy (probably a DP3 policy). It is similar to a homeowners policy, but most don't have the 60 day coverage exclusion.
Good Luck |
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