how do i get vacant house insurance after my house insurance cancelled after a break in
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UPDATED: Feb 23, 2013
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Insurance Question from Jamaica, NY
Asked on 02/23/2013
how do i get vacant house insurance after my house insurance cancelled after a break in landlord insurance cancelled due to a break in. how do i get vacancy insurance until house is repaired
Answer given on February 25, 2013
It will be very difficult to obtain insurance on a vacant house with a recent claim and the fact that you were non renewed.There are specialty insurance companies who can write this type of insurance, but they will want to see the repairs done on the home in a very short time frame. They may give you 30 days, depending upon the damage done by the brekin.The prior insurance company should have paid for the damages to the home, less your deductible, unless you were in violation of the vacancy clause under their policy. If you have been paid, then you should be able to make the repairs quickly.Contact an independent insurance agent. They represent specialty insurance companies which will write the insurance you need. Their policy will probably have a high deductible and they will probably add a surcharge for the vacancy issue. Once the home is occupied, they should be willing to remove the vacancy surcharge. Find out if they will do this before you purchase their policy.
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