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Originally Posted by dewilson58
Just discuss with your agent. There are thousands of vacation home with full coverage. Might cost a couple bucks more, but you can have full coverage. From the carrier prospective, unoccupied homes are higher risk. Discuss your home watch services if you have.
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We moved here in The Villages without selling our old house thinking we might just rent the old place. Since I was an insurance consultant many moons ago and knew I would not have coverage on the old house so I took out, for lack of a better term, “an empty house policy”. All I could get was “Lloyd’s of London”. A three month policy cost me as much as a full year. I’m afraid there are hundreds of Villagers who, if something happen while they were gone, could be without insurance and not realize it. Ignorance, won’t be enough to convince an insurance company to pay a claim. For that reason, this is a good thread. Honesty is the best policy so talk to your agent even though it could cost you a little bit of money.