Unoccupied Home Insurance

[buggyone]

Before I sold my Maryland home, I checked with GEICO and told them I was moving to Florida and if my homeowners insurance would stay in place until I sold the house since I had seen a clause that it had to be occupied as my residence.

I was told that the regular policy would remain as is for 90 days. After that, I would have to buy "Unoccupied Home Insurance" and it was quite a bit more expensive. Luckily, the house sold quickly and I did not need it.

I am wondering if the same applies to all the snowbird homes in The Villages. Many families are gone for over 3 months. Do they have to have unoccupied home insurance for the period of time over 90 days or risk not being covered?

[Phanatic Luvr]

Read your policy or contact your agent. In many cases there is a 14 day clause, which means if your home has not been looked in on or checked by someone at least every 14 days, and if there would be a problem, you could possibly NOT be covered. You can't blame the insurance companies, it just makes good sense and protects your investment. A good reason to hire a home watch company for those 3 months.

[graciegirl]

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[asianthree]

You need to check with your agent everyone policy is different

[GatorFan]

You can buy a seasonal home, secondary home and primary home policy in Florida. Also part owner occupied/rental policies.