Home Insurance Away For More Than 60 Days

What Should You Know About Home Insurance When Away For More Than 60 Days?

What Is Home Insurance?

Home insurance is a type of insurance policy that covers your home and its contents, as well as any legal liability claims against you related to your home or its contents. Home insurance is designed to protect you financially in the event of a loss or damage to your home caused by certain perils, such as fire, theft, and weather-related events. It can also provide coverage for the contents of your home, such as furniture, electronics, and appliances. Home insurance is often required by mortgage lenders to protect their investment in the property.

What Are the Different Types of Home Insurance?

There are two main types of home insurance: homeowners insurance and renters insurance. Homeowners insurance typically covers the structure of the home, its contents, and liability for injury or damage to others in or around the home. Renters insurance typically covers the contents of the home and liability for injury or damage to others in or around the rental property. In addition, some home insurance policies may include coverage for additional living expenses if your home is damaged or destroyed and you need to live elsewhere while repairs are made.

What Should You Know About Home Insurance When Away For More Than 60 Days?

If you plan to be away from your home for more than 60 days, you may need to adjust your home insurance policy. Most policies have a limit on the amount of time a home can be unoccupied and still be covered by the policy. If you plan to be away for more than 60 days, you will likely need to purchase additional coverage in order to maintain coverage for your home and its contents. Additionally, you may need to take extra steps to ensure your home is secure while you are away, such as having someone check the home periodically or having the utilities turned off while you are away.

What Should You Do if You Are Away From Home For More Than 60 Days?

If you plan to be away from home for more than 60 days, it is important to contact your home insurance provider to discuss your options. You may need to purchase additional coverage or adjust your policy in order to maintain coverage while you are away. Additionally, you should take extra steps to secure your home while you are away, such as installing an alarm system, having someone check the home periodically, and having the utilities turned off while you are away.

Conclusion

Home insurance is an important investment for homeowners and renters alike. If you plan to be away from home for more than 60 days, it is important to contact your home insurance provider to discuss your options. You may need to purchase additional coverage or adjust your policy in order to maintain coverage while you are away. Additionally, you should take extra steps to secure your home while you are away, such as installing an alarm system, having someone check the home periodically, and having the utilities turned off while you are away.