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Question by Bob 438: Can you get homeowners insurance on a home that is not occupied & will be for sale in the next few months?
Mother-in-law just died. Her estate is a mess. She let her homeowners insurance expire (didn’t renew her policy) in 2004. The broker that previously insured the home is having trouble getting an insurance company to pick up the home because it will not be occupied by anyone and will be on the market in a few weeks. I am concerned that something might happen to the home between now and the closing date (which may be months away). Anyone know an outfit that will insure this home?
Best answer:
Answer by duffmanasu
Depending on the company, yes. But most companies who will accept that sort of risk will exclude vandalism damage or window breakage if the home is vacant for more than 30 days unless you pay an extra premium for that coverage.
It may also depend upon state regulations in your state. Try State Farm. I know that they will accept that sort of risk if they rest of the underwriting guidelines are met…in my state anyway.
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