Originally Posted by RKC02
Just curious if anyone else has run into this - and if there are any solutions (other than changing insurance companies).
We use a premier insurance company in NJ that we love and do not want to change from. However, there is a stipulation that coverage may or may not apply in certain instances when the house is vacant for more than 60 consecutive days. We have a call in for clarification pending.
We just purchased our first Class A and want to spend a few months in Florida this winter but need to insure our coverage applies throughout the period we are gone. Has anyone else run into anything like this? Hopefully we are just reading into the policy too deeply and we will in fact be fully covered.
I know there are countless numbers of folks who spend half of the year away from their homes so there must be a solution. (Policy rider, exemption, etc.)
It is a vacancy clause
that is located in your policy. Not at all unusual, as it can be located in the general H.O. policy. Yes, they can and probably will delete certain coverages while the dwelling is vacant for a specified period, as stated in the policy. You "can" get a vacancy endorsement added to your policy. BUT, it will probably be expensive. Better to pay for the added coverage, than suffer a major loss while away and have no policy coverage! The vacancy issue can be overcome, by having a human being stay in the residence for at least one night, during the specified vacancy period. This is stated as a "opinion" and absent of legal qualifications. Contact your agent and tell them what you plan to do. They will have a solution. Every problem can generally be solved, if your wallet is deep enough!