So, you’re moving and you’re trying to sell your house. In fact, you have a new place that you’ve already bought, and you’re going to pack up and move. But what about your current house? You’ll have to leave it vacant while you’re still trying to sell it. But…how does your home insurance work in this situation? You’re not living in the house and all of your stuff is going to be gone. Of course, that house is still valuable, and it’s still an investment. You still need it to be protected from loss. But will your home insurance still cover the house that you’ve moved out of? We’ll explain.
As a homeowner, you’ve got a lot of responsibility on your plate – even when you’re not actually occupying your home. Home insurance policies often don’t allow for a homeowner to leave their house unattended for an extended period of time. Now, there’s a difference between an unoccupied home and a vacant home, but the bottom line is that you may need to get special coverage if you’re leaving your house empty. We’ll go over why your normal homeowner’s insurance may not cover your empty house and how you can make sure your investment is covered.