Quote:
Originally Posted by TellerJohn
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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I own a Home Watch Company and Manage about 100 Rental and Snowbird properties and it sounds like there is a Vacancy Clause in your policy and I have run into it on a few Policies. Basically unless you have a Company making weekly visits they have a right to deny a claim. The Insurance company does not count a Neighbor, Friend or even a Relative you might having watching over things as acceptable for this clause.
Check with your Insurance Agent to determine your particular situation.