Homeowners Checklist When Leaving a House Vacant

Not only is your home more at risk when you or a family member is not there, there is also additional liability when a home is left empty. When leaving your home vacant, empty, or unoccupied for an extended period of time (more than 90 days) there is a lot to think about. The following checklist presents items from most important to least important and will hopefully give you piece of mind while you and your family are away.

1)    Make sure you have proper insurance protection on the home for the duration you are away. Do not assume your existing insurance policy will cover this. There are thousands of homeowners out there who believe they have full coverage on their vacant, unoccupied, or empty home and do not.

2)    Call you insurance agent/company to discuss your situation. If they are willing to accept a vacant home risk we strongly advise you get this in writing. Do not accept a verbal “everything is okay” because using the defense “the agent said everything was fine” with no written proof, is little assistance to a homeowner who is looking at a $200,000 claim being denied!

3)    Make arrangements to have a family member, neighbor, or close friend go inside the house and check on it once a week. Make sure it is a set schedule (such as every Monday) and have them keep a log of their visits. Make sure to provide them with a number to call if they find a problem.

4)    If you don’t already have one, you should seriously consider getting an alarm system. Some vacant home policies may require an alarm and other will give you a discount if you have one installed. It also provides peace of mind while you are away.

5)    Turn the water off to the house and drain pipes if necessary.

6)    To make sure pipes don’t freeze during winter keep the heat on at 58 degrees or higher, or make sure the pipes are properly drained.

7)     Make arrangements to have regular yard maintenance. Also consider having a family member, neighbor or friend drop by regularly to pick up your mail and to check the yard for loose flyers, newspapers, and other debris.

So, call us for your vacant home insurance needs and we will quote your coverage with up to ten different vacant home insurance companies or submit an online application and one of our team members will get back to you.

Call us at 1-855-5Vacant or 1-855-582-2268

Today’s Hot Topic: Vacant Home Insurance

Until recently most people had never heard of vacant home insurance and that’s because vacant home have not been an issue until recently. Unbelievably enough, one out of every nine homes in the US is vacant. An empty home or dwelling is in no less need of insurance, than a home or dwelling that is occupied. Vacant home insurance has become the fastest growing type of insurance over the past few years and applies to all different types of home, from homes priced under one hundred thousand to home priced over a half million.  While more and more Americans are becoming aware of the need for vacant home insurance, experienced professional are need to help deal with this unique and rapidly changing coverage.

South Caroline Vacant Home Insurance is here help YOU. Get a vacant home insurance quote now by calling 1-877-77GoAIB or 1-877-774-6264 or by submitting an online application and one of our team members will contact you shortly.

Don’t Get Caught With The Wrong Insurance!!

When you originally purchased your homeowners insurance, you would have either agreed in writing or verbally that the home will be occupied. If it is determined that the home was unoccupied when a claim occurs, coverage can be denied. Additionally, most homeowners insurance policies contain specific exclusions and limitations if your home is unoccupied for more than 30-60 days.

Generally homeowners insurance policies are designed specifically for occupied homes. Only a policy that is designed specifically for a vacant home can cover you in the event you have a claim while your home is unoccupied. Unfortunately, many people are reluctant to switch their insurance during a vacancy because they fear it will cost too much or they won’t be able to find coverage. South Carolina Vacant Home Insurance offers a wide variety of affordable solutions to cover your vacant home. So call South Carolina Vacant Home Insurance at 1-877-77GoAIB or 1-877-774-6242 or submit an online applications and one of our team members will contact you shortly.

Vacant Home Insurance in South Carolina

Not everybody loves insuring vacant homes. But South Carolina Vacant Home Insurance does. Lots of homes don’t qualify for standard insurance for many reasons. The South Carolina Vacant Home Insurance Vacant Program offers specialized coverages developed for the unique insurance needs of a vacant home and its owner. Homes in the Vacant Program can be for sale, in the name of an estate, or under renovation. We’ll accept vacant homes valued up to $1 million, and there is no restriction on the age of the home.

South Carolina Vacant Home Insurance gets it.
Our policy is also annual – it doesn’t have to be renewed in three-month blocks and it can be cancelled at any time (subject to minimum earned premium).

We’ve dramatically lowered rates in our vacant program in several states across the country, in some states by up to 60%. Get a vacant home insurance quote now by calling 1-877-77GoAIB or 1-877-774-6242 or submit the following application and someone on our team will contact you shortly.

So go ahead, relax. Leave the insurance to us.
Get a vacant home insurance quote.

Vacant homes come in all sizes and packages. Vacant condos, Vacant Homes, Vacant Land, and now too Boarded Homes.

The market will take a while to “come back” and while we all wait for loosening of credit, the hope of a sale, or the future developement of the land, there is still a need for insurance for that boarded home.   At South Carolina Vacant Home Insurance.com we provide insurance for vacant structures of all types while at the same time providing coverage for the vacant boarded home too.

Boarded home insurance may seem like and overkill… Some people that have boarded homes just wish the home would be destroyed or removed from the property.  In the lack of intential actions, boarded home protection provides coverage for not just the structure but liability insurance for the owner.

Liability insurance in the Boarded home coverage is the key to the policy! Making sure that in the event of injury at the location, that coverage is positioned to protect the owner from a lawsuit.

So, Board Home insurance coverage and South Carolina vacant home insurance are here ready to protect YOU.  Do call us toll free at 1-877-77-GoAIB 1-877-774-6242 or submit the following application online and one of our staff members will be in touch with you with several options.

Real Estate Investors are winning in today’s real estate market.  Foreclosed homes are being purchased, renovated, and rented or sold.  Investors Builders Risk insurance is available for the newly purchased vacant home with the need for builders risk coverage.

Fast affordable coverage is available for both vacant home and builders risk at South Carolina Vacant Home Insurance.com by submitting the following applicaiton or giving us a call at 1-877-77-GoAIB or 1-877-774-6242.

Builders Risk insurance assumes the home is vacant, positions coverage for the current value, future value, and the material to be used in the renovation process.  Coverage is available for more than just the structure!  Insure the content too.

South Carolina Builders risk is availalbe today by calling 1-877-774-6242 or with the following online application.

The South Carolina Insurance commissioner defines reasons that an insurance company can terminate a homeowner policy during the policy term.  Despite the homeowner policy being canceled, America Insurance Brokers has solutions for vacant home insurance in South Carolina.  Call 1-877-774-6242 or submit the following online application.

• When can an insurance company cancel my homeowner’s coverage during the policy term? 
   
  Generally, your policy can be cancelled for these reasons:
   
  • Non-payment of premium;
  • Material misrepresentation/Fraud;
  • Conviction of a crime arising out of acts increasing the hazard insured against. 
     (For example, conviction for illegal storage of fireworks);
  • Discovery of willful or reckless acts or omissions by the insured increasing the hazard insured against. (For example, not getting a gas leak fixed);
  • Physical changes in the property insured which result in the property becoming uninsurable. (For example, should the home become vacant for more than 60 consecutive days, a greater exposure to vandalism and damage is assumed to exist); and
  • A determination by the Director of Insurance that continuation of the policy would place the insurance company in violation of the law.

We have solutions for vacant home insurance needs in South Carolina.

Call 1-877-77-GoAIB or 1-877-774-6242.  America Insurance Brokers!

Vacant home insurance is truly a different insurance product than the traditional homeowner policy.  Having a vacant home policy positions the insured with coverage that is designed for the vacant home insurance need.  Most vacant home policies exempt water claims and theft claims.  Making sure the home is secure and the water supply is turned off are just wise choices to make while the home is vacant. 

Having a neighbor, friend, or realtor check on the house regularly is equally important.  Keep a log on visits and pictures of the homes status.  Claims on vacant homes are best when the insured can document that neglect was not the cause of the loss.

Homes that are vacant also need regular yard maintenance not just by the lawn services team.  Too often news papers, yellow pages delivery, advertising flyers, or an over-flowing mailbox lends to the quick reality that the home is vacant.   Consider again the friendly neighbor for your vacant home protection beyond the vacant home insurance policy.

So, call us for your vacant home insurance needs and we will quote your coverage with up to 10 different vacant home insurance companies.  Or submit the attached application and one of our staff members will contact you with OPTIONS.

Call our office at 1-877-77GoAIB or 1-877-774-6242 will get you a live voice ready to answer your questions and meet your vacant home insurance need.

• Did you move without selling your home?  Is the home vacant with a “home for sale Vacant” listing? 
• Home Insurance being canceled due to your home being vacant?
• Purchase a Foreclosed home and need insurance and builders risk for the vacant home?

We provide insurance for Vacant homes meeting all of the above criteria and MORE.

Give us a call at South Carolina Vacant Home Insurance at 1-877-774-6242 or submit the following application and we can provide quotes from up to 4 different insurance carriers based on your vacant home insurance needs.

We are an insurance agency and NOT a call center selling leads.

We look forward to working with you soon.

We insure all types of vacant homes: 

Homes for Sale, Foreclosed, Recently purchased and being renovated while vacant, and more.  We provide Vacant Home Insurance in South Carolina.

Call us today at 1-877-77GoAIB or 1-877-774-6242.

Or start the process from the following application and we will work hard at providing a solution.  We do not share data or leads with others.  Our office provides insurance.