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therealsimpsons
Well-known member
Thank you for the replies and advice. Some research to do based on the comments received. Much appreciated.
Preparing Sticks & Bricks for extended absence.
- Thread starter therealsimpsons
- Start date
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garyb1st
Well-known member
Just checked my policy. Two exclusions apply when a home is vacant for more than 30 days. One, for glass breakage and one for vandalism. However in both cases, the exclusion applies only with respect to personal property. The portion of the policy that pertains to the dwelling itself has no such exclusions. The term vacant is not defined consequently it likely includes the term unoccupied.
When reading your policy, make sure you check both not only the insurance agreement, but the conditions and exclusions. Sometimes an exclusion is found as a limitation to an insuring agreement.
For those of you who don't want to spend hours trying to understand the coverage when at the end of the day, you've probably missed something, just ask your insurance company or agent. Make sure they respond in writing.
When reading your policy, make sure you check both not only the insurance agreement, but the conditions and exclusions. Sometimes an exclusion is found as a limitation to an insuring agreement.
For those of you who don't want to spend hours trying to understand the coverage when at the end of the day, you've probably missed something, just ask your insurance company or agent. Make sure they respond in writing.
Gary RV_Wizard
Site Team
I would not assume that, but it is certainly within the realm of possibility. That term needs careful and formal advice from an official rep of the insurer before a claim arises. Most courts consider a place to be occupied as long as you have belongings there and an intent to return and stay in residence, but that determination is subjective. Being [temporarily] absent from your home is generally not the same as leaving a house "vacant", but again that needs to be clarified by a company agent. Make it clear that your absence will be temporary and that you still consider it your home.
