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Many of us will deal with a vacant home at some time in our lives. There are many reasons:
What you may not know is that the insurance requirements for a vacant home are different than an occupied home. When a home becomes vacant, a standard homeowners policy may give the insurer the right to cancel mid-term, lower coverage levels, or even deny a claim.
You need a policy that is specific for the risks of a vacant property. American Modern has two solutions.
Ask your agent which option is better for covering your vacant home.
We make it easy to adjust the coverage when a tenant has moved out and it will be more than a short time until the new tenant signs a lease. Just ask your agent to change the occupancy type on your policy from “rental” to “vacant.” When the new tenant arrives, ask your agent to change it back. Doing so ensures there is no interruption in coverage.
Your agent can answer your questions and get you a quote. Looking for an agent? Use this search tool to find one near you, or call us at 866-884-6167.
Why does a vacant home need a different kind of property insurance policy?
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