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Your rental property has just been vacated and you want to take some time to screen new tenants or make upgrades to your property.  Does your coverage change now that the home is vacant?  To avoid surprises at the time of a claim, it’s crucial to know exactly what your policy covers. 

Review your policy today for restrictions.  Here are some points to check regarding coverage on vacant property:  

  • Will your policy immediately terminate when the home is vacated? 
  • If not, how long will coverage continue for named perils like fire, explosion, lightning, vandalism, windstorm and hail damage? 
  • What happens if you decide to renovate?
  • Does your carrier offer a separate policy for vacant property?    

Not everyone loves insuring vacant homes.  But Foremost does.  That’s why they also offer a specific program for vacant homes that provides a full 12-month policy with pro-rata cancellation and the choice to stay insured for up to 24 months.  The home can be for sale, in the name of an estate or under renovation.  Coverage includes common perils, plus options for liability, personal property, vandalism and malicious mischief.  

Not sure what your policy provides?  Contact Cliff Cottam Insurance Services at (800) 807-6871 to discuss your coverage and find out more about the Foremost Vacant program today!

Posted 10:46 PM

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