Unoccupied Home and Homeowners Insurance
OK, we've just scrapped plans to enter the workamping life because I've read that most if not all homeowners insurance will not cover claims if the property is unoccupied for more than 30 days unless ...
Forum Discussion
Your home may be considered “vacant” or “unoccupied” if it is left empty for 60 or more days, according to the National Association of Insurance Commissioners.
If you leave home for several weeks, you could potentially void your homeowners insurance coverage. This is because vacant or unoccupied houses are at greater risk for vandalism, theft, weather-related perils and fire, but your policy premium is based on a lower-risk scenario where your property is occupied. Contact your insurer before leaving town for a lengthy period to make sure you have the unoccupied home insurance coverage you need.
Bottom line read your policy and check with your agent
If you leave home for several weeks, you could potentially void your homeowners insurance coverage. This is because vacant or unoccupied houses are at greater risk for vandalism, theft, weather-related perils and fire, but your policy premium is based on a lower-risk scenario where your property is occupied. Contact your insurer before leaving town for a lengthy period to make sure you have the unoccupied home insurance coverage you need.
Bottom line read your policy and check with your agent
