At the time I was selling my house in Maryland 2 years ago, I was told by GEICO that after 90 days of being unoccupied, the homeowner insurance would not be valid. I would then have to buy "unoccupied home" insurance which is much higher priced. Luckily, my house sold in 8 days so I did not have to think about that.
My question is to the snowbirds and flakes of the The Villages. When you are gone from your homes both in The Villages as well as your other home, do you take out an "unoccupied home" policy in case your home is vandalized or has something happen to it - or do you just take the chance nothing is going to happen or that the insurance company is not going to figure you were not occupying the property at the time of the damage?
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