Snowbird homeowner insurance theft and vandalism coverage limitations
I am a snowbird. I was looking through my homeowner policy and it states that losses from theft and vandalism are not covered if the dwelling was unoccupied for more than 30
days immediately before the loss. This seems to be a standard exclusion in Florida policies.
So if I go back north for 6 months, I am not covered for theft and vandalism down here for 5 of those months.
Not that this is a high crime area, but are any other snowbirds concerned or have found a workaround?
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