Vacant Home Insurance
Specialized coverage for homes that are unoccupied for extended periods, as standard policies often restrict or void coverage for vacant properties.
Detailed Explanation
Most standard homeowners policies limit coverage or exclude certain perils if a home is vacant for more than 30-60 days. Vacant home policies address the increased risks of vacancy, like vandalism, theft, and undetected water damage.
Practical Example
When Robert's mother moved to assisted living, leaving her house empty while it was on the market, he purchased vacant home insurance to protect the property after learning that her standard policy would provide only limited coverage after 60 days of vacancy.
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