How To Find Affordable Homeowner s Insurance In Connecticut
Below is a MRR and PLR article in category Finance -> subcategory Wealth Building.
How to Find Affordable Homeowner's Insurance in Connecticut
When searching for affordable homeowner's insurance in Connecticut, there are several important factors to consider. After purchasing your home, you likely plan to spend a significant amount of time there. However, as a military service member, you may face overseas deployment, leaving your home unoccupied for extended periods. What does this mean for your homeowner's insurance?
Understanding Insurance for Vacant or Unoccupied Homes
Insurance companies are generally hesitant to insure homes that are vacant or unoccupied. A vacant home is one without people or furniture, while an unoccupied home is furnished but lacks occupants. Due to this reluctance, most insurance policies include a vacancy clause.
If you’re in the military and may be away from home for a long time, your insurance coverage could lapse after 60 days. It’s crucial to discuss this with your insurance agent. Some insurers offer endorsements that extend coverage for unoccupied homes beyond the standard 60 days.
Coverage for Personal Belongings
Homeowner’s policies typically cover your personal belongings, even those you take while traveling. However, many policies include a war exclusion, meaning they won’t cover losses caused directly or indirectly by war. This means your personal items taken during deployment might not be protected.
Solutions to Consider
Possible solutions include having someone house-sit while you’re away or discussing your situation with your chain of command. Be sure to talk about these concerns with your insurance agent, who likely has experience addressing similar situations and can offer helpful solutions.
By addressing these specific needs and exploring available options with your insurer, you can ensure you have the right coverage while you're away, providing peace of mind for you and your home.
You can find the original non-AI version of this article here: How To Find Affordable Homeowner s Insurance In Connecticut.
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