It is not uncommon to face needing to move to a new city, state, or even overseas in a hurry, leaving you not enough time to sell your current home. Sometimes it is even favorable to vacate a home before listing it so that it shows better. Regardless of the situation that has left your home unoccupied, be sure to talk to your insurance agent about vacant dwelling insurance.
A vacant home has some unique risks that an occupied one does not. Even though you may still have your home covered by a standard homeowners policy, you’ll want to know whether it would be a good idea to switch over to a vacant dwelling policy. If you don’t take this step and something happens, it is possible that the insurance company will deny the claim, depending on the type of damage. You should also check to see if you need different coverage if you decide to rent out your home temporarily, and be sure to tell tenants that they will need to have renters insurance to cover their belongings.
If you have a home in the Fort Myers, Florida area that you will be vacating or already have and you have questions about vacant dwelling insurance, don’t hesitate to reach out to us at Mr. Auto Insurance. We are happy to review your current insurance and advise you about the best way to proceed so that you will not face an unexpected expense if damage is done to your home.