Vacant House Insurance in Cleveland, Ohio: What You Need to Know

If you are wondering what qualifies as a “vacant house,” you aren’t alone. A seasonal or secondary home is not considered a vacant house. Your vacation home is furnished and your utilities are kept on - you come and go as you please. In contrast, an empty house waiting to be sold or rented out is considered a “vacant house.” If you have a home that you are preparing to rent or sell, you need to have the vacant house insurance that can help you safeguard your house. 

There is a much higher chance of a house getting vandalized or experiencing a break-in when it is left empty for an extended period of time, so it is important to make sure that you have the insurance coverage that can give you the protection you need. Just as you want the right coverage for the home you live in, you want to ensure that your vacant house is properly safeguarded so that it is in great condition when your tenants move in. When you have the right policy, you can put your focus on finding the right buyers or renters for your house instead of spending all your time worrying about property damage and other unexpected issues.

Coverage That Meets the Needs of Your Vacant House
Sufficient loss coverage is important. An empty house is a vulnerable house, and you want to have the right loss coverage in place so that you don’t find yourself caught off guard by an issue. If you have a covered loss, having coverage for an association assessment can be invaluable, and you don’t want to have to scramble at the last minute to find the means to cover the expenses that arise. When you have the insurance protection to help you safeguard your Cleveland house properly, you don’t have to fear the “what-ifs.” 
Another key part of Cleveland vacant house insurance is limited theft coverage. This helps to cover personal property that you have lost due to theft or property that has been damaged by vandalism. You cannot afford to not have the right insurance coverage to help you handle theft issues, and you shouldn't have to deal with such a situation without the right insurance policy to protect you. In the same way, while you don’t want to think that someone would vandalize your empty house, it is not an uncommon occurrence - and it is vital that you aren’t caught unaware by a vandalism situation. It is far better to be prepared for every eventuality than to face such a situation with insufficient coverage. 
When it comes to protecting your vacant house in Cleveland, you want to have excellent protection for water damage. It is a significant danger for a vacant house and it can be a very costly mess for you should your house undergo water damage. Sewage backed up in drains or overflows from a sump pump can wreak nasty damage on a home and require a costly clean-up effort. While no one wants to deal with water damage or sewer overflow, it is important that you have the protection you need to handle the damage that water can cause. Should such an issue come up, you will be glad that you were ready to take care of it. 

The Right Coverage For Your Vacant House in Cleveland

Here at Cobos Insurance, we would love to help you protect your Cleveland vacant house. You deserve to have the coverage that meets your needs, so don't hesitate to talk with your insurance agent about any concerns or questions that you may have. You don't have to navigate the ins and outs of Ohio vacant house insurance on your own when you have a Cobos insurance agent by your side, and we believe that you should have the coverage that meets your specific needs and fits your unique situation. 

Protecting your vacant house in Cleveland is a priority for you, and you should not have to settle for less than the right insurance policy for your situation and your house. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; you can contact us today and we can help you find the right fit for your vacant home in Cleveland, Ohio.