When You May Need Vacant House Insurance

You might be wondering if you need vacant house insurance to protect your house. If you have a seasonal or secondary home, it would not be classified as a “vacant house.” You still have utilities and furniture inside, and you come and live in it regularly. A house that lies empty as you wait to sell it or rent it, however, would fall under the category of “vacant,” as could a house in an estate. If this describes a home of yours, then this insurance coverage would be a good fit for you.

Since no one is actively living in it, a vacant house runs a much higher risk of being vandalised or otherwise damaged, and not having the right insurance coverage for it leaves you vulnerable to such destruction. Such expenses add up at lightning speed, and you want to make sure that you don’t find yourself without financial backup. There is no better time than now to find the right protection for your unoccupied house.

Being caught off-guard is the last thing you want when it comes to protecting your house - because if it is sitting empty waiting to be sold or rented out, you want it to be in prime shape for when the tenants move in. You don’t want to find that you have to deal with damages on your own! It can be worrisome when you have an unoccupied house, but with the right insurance coverage, it doesn't have to be a nerve-wracking experience. In addition to the base coverages you get with good vacant house insurance, you can also get add-on protection that fits your unique needs, so that you can get the custom care you need. Your vacant house needs to be preserved while waiting to be occupied again, and every house is different.

Ample Coverage For Loss

This aspect of a good vacant house insurance policy gives you coverage for an association assessment if you have a covered loss. You don’t want to find yourself with insufficient coverage for whatever issue arises. There are many things that can happen, but when you have the insurance coverage that eases you through such scenarios, you have no reason to panic over problems. Your insurance agency has your back!

Limited Theft Coverage

Limited theft coverage takes care of personal property lost or damaged by theft and vandalism. While none of us want to think that anyone would take advantage of an empty home and vandalize it, it does happen - and the loss can be significant. It is far better to be prepared for such a situation than to be blindsided by it, and the right coverage can help you be ready for whatever comes your way in the future. You will be glad you prepared for issues like these if you find yourself dealing with a theft or vandalism situation at some point.


Water and Sewer Back Up     

Water damage can be catastrophic when not dealt with properly. You don’t want to have insufficient coverage for a loss caused by water or sewage backed up in drains, or even overflows from a sump pump - that could result in a nasty mess and costly clean-up. There can be devastating damage from water back up, but this coverage gives you the protection you need to take care of such a disaster. It doesn’t have to be an earth-shaking circumstance if you have the insurance coverage for it.


Protecting Your Vacant House Well

Your vacant house needs to be safeguarded from a variety of dangers, and here at Cobos Insurance, we would love to help you find the right coverage for your specific situation. You deserve the best, and we are here to help you insure your house with the coverage you need. We believe that what matters to you should be well taken care of, and that includes your vacant house.

Let’s talk about keeping your vacant house well protected!  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 safeguard your property with the vacant house insurance coverage that fits you. You deserve the protection that fulfils your needs, and we would love to help you find the right means to take care of your house.