How would you feel if you had major damage at your house that you thought was covered by insurance but the insurance company denied coverage? Could it happen to you? Yes, if your house has been sitting empty for over 60 days. Check out this MSN article to see how it could happen and how to protect yourself. Basically it says that if your house has been sitting empty for a stated period of time, either 30 or 60 days based on your insurance policy, your homeowners insurance may no longer be effective. The rates charged for homeowners insurance are based on you living in the home. If for some reason you are not in the house for an extended period you could lose your coverage. That includes snow birds heading south for the winter, people who have a house for sale after they have moved to a new home, or people who are trying to rent out their house. If the house is empty you need a special coverage. Otherwise your claim just may be denied. If you need help understanding this please talk with a Landmark agent who will be glad to help you. With winter and the holidays fast approaching it is a good time to be prepared. I wish everyone a Merry Christmas.
