How can i get home owners insurance on a houe i inherited but do not have insurance on my primary residence?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 21, 2016

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Insurance Question from Richland, GA

Asked on 08/21/2016

How can i get home owners insurance on a houe i inherited but do not have insurance on my primary residence? I inherited my father's home but insurance wont cover a home no one permanently lives in (i.e. vacation home ) unless you have homeowners on your primary house except i rent so i dont have homeowners

Answer given on August 23, 2016

Even if you are a renter, you should be able to buy renters insurance and then the insurance company should at least consider writing the insurance on the vacation home. Of course, the home must meet the other requirements of the insurance company in order to obtain the insurance.Renter’s insurance is considered a type of homeowner insurance, and should be acceptable to the insurance company as supporting business. You should also consider using the insurance company that writes your auto insurance since that will give additional supporting insurance for the insurance company.Talk to the agent or insurance company about renters insurance and get a quote for that. It is always best to have renters insurance as you could lose everything in the event of a fire or some sort of disaster. In general, the cost of renters insurance is not expensive but does give you peace of mind in the event of an incident.


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