Quote:
Originally Posted by buggyone
..... 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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We ran into the "unoccupied" situation when we were selling our prior home here in OH. We moved to our new home and thus the other place sat empty while on the market. Our insurer, State Farm, was aware of the situation and our agent's office "let sleeping dogs lie" for a number of months until someone from their district office raised the question. So the agent called to let me know the company was going to do the unoccupied things..........it only raised the premium by something like $45 a year, if I remember correctly. House sold shortly after that so it became somewhat a moot issue.
The insurer of our patio villa in TV is aware that we're only down there on occasion (as snowflakes). I told her how often we come to TV and that we have a homewatch person who stops by weekly to check things out. They wanted contact info for the person, probably to have it on record and/or maybe to check out my story (which I doubt they did). That seemed to please them. Whether or not they jacked our H.O. coverage rate up at all is an unknown to me. All I know is their rate compared favorably to other companies we checked with at the time.
Bill
