What You Need to Know About Ohio Vacant Home Coverage

So, what counts as a “vacant home”? A home counts as vacant when the property is empty without any personal belongings inside. For example, a secondary home is not a vacant house because you still use it - your personal property is kept there even when you aren’t present. On the other hand, an empty house on the market that’s about to be sold or rented is a “vacant house” because it is empty. If you are about to sell (or rent) a house, vacant home insurance is an invaluable tool that can benefit you greatly. 

Unfortunately, when a home is vacant for a period of time, it is exposed to risks such as vandalism as well as issues like water damage. When no one is there to stop (or at least mitigate) the damage, you can find yourself with a lot of unexpected expense on your hands - and no one needs that, especially when so much energy is being spent trying to get the home sold or rented. You wouldn’t settle for less than the best coverage for the home you live in - and you shouldn’t have to forgo the right protection for your vacant house either. After a period of time (usually 30-60 days), a home is considered vacant and your homeowners policy will need to be switched to a vacancy policy so that your property is safeguarded the way it deserves. Don’t put off finding the insurance protection that is ideal for your Ohio home’s needs. 

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Protecting Your Vacant Home With the Right Insurance Protection
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You want to have as smooth an experience as possible when it comes to selling or renting out your home, and being prepared to tackle sticky situations is an important part of taking care of what you own. 

• Loss coverage is an irreplaceable aspect of protecting your vacant home. Should you have a covered loss, having the meaning to take care of an association assessment is important, which is only one of the reasons why having ample loss coverage is so important. Don't find yourself financially drained due to a loss when you can have Ohio vacant home insurance coverage that fits your situation. You deserve to be able to rest a little easier during the sometimes stressful process of selling or renting a home, and ample loss coverage can help with that.
  

• Limited theft coverage is vital as well when it comes to safeguarding your vacant house in Ohio. This coverage helps you take care of replacing personal property that you have lost because of a vandalism situation or a theft issue. Don’t allow yourself to be vulnerable to mishaps and disasters when you can be ready to deal with any theft and vandalism situations you may find your vacant home in. 
  

• Something that cannot be overlooked in Ohio is the danger of water damage. Whether from sewage backed up in drains or from a malfunctioning sump pump, water damage can cause nasty havoc that is a pain to deal with. When you have the right coverage inplace to help you face whatever situation comes head-on, you can focus your energy on preparing your home to be sold or rented. 
  

There is no reason to allow your vacant home to be vulnerable to mishaps and disasters when you can have the appropriate insurance protection for your situation, so don’t settle for less than the best fit for your needs. You cannot prevent some negative issues from arising (regardless of how hard you try), so having the right insurance coverage at the ready can make a huge difference for you as you go through the process of selling or renting out your home. 

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Ohio Vacant Home Coverage That Meets Your Needs 
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Here at Cobos Insurance, we believe that you deserve to have the best insurance coverage for your vacant home. Be sure to talk with your insurance agent about your specific situation and your unique insurance needs. Everyone has a different situation, and you should be able to take care of your vacant home regardless of whether you are there or not. 

Your vacant Ohio home deserves to be safeguarded. 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 take care of your home with the best coverage for your needs.