What to do about our homeowner’s insurance on out unsold home, if my wife and I are moving out-of-state?

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What to do about our homeowner’s insurance on out unsold home, if my wife and I are moving out-of-state?

We will rent a temporary home in another state while we build a permanent home on a lot that we own. Our home in our current state of residence has not yet been sold but we will consider out new state to be our permanent home. We have auto and home insurance with the same insurer, so we obtain preferential rates. We will inform our insurance company to change the location of our automobile, to comply with state motor vehicle law. We will need to keep our homeowner’s insurance in our current state for as long as the home remains unsold. What should I say to my insurer about our residence? Can we maintain our current residence under the same insurance status while we live in another state and have our auto insurance in that new state?

Asked on November 12, 2013 under Insurance Law, Arizona

Answers:

Anne Brady / Law Office of Anne Brady

Answered 8 years ago | Contributor

Whether your can maintain your homeowener's insurance policy in place in Arizona and your auto insurance with the same company in another state really depends upon the policies of your insurance company.  Your insurance may not even be licensed in the state you are moving to and may be unable to cover your car there.  Check with your insurer.  Also be sure to register your car in your new state and to obtain renters insurance for your possessions while in your temporary rental home.


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