The homeowners insurance is something that every home is in force, shall at all times. But a question on the insurance of the house comes from a lot lately, causing a series of problems for homeowners who have bought a new house has not sold their old ones.
And the issue is the assurance of property freedom.
In today's market, it is not uncommon for owners of a new home without selling their first purchases an old one.
Takes longer and longerobtained for a home sold today, so that this problem is not uncommon for people to move into their new home, while the old remain vacant for some time.
The problem is that many insurers do not provide a free house is because there is a greater chance that could happen.
A February 25, 2007 article by Steve McLinden Bankrate.com vacant house sale will insurance risks, "describes some problems that arise when you try to take out insurance couldHouse, which is un-occupied.
Be the reason why the problem of vacant homes need to be assured there is always a hot topic lately because so many are now sitting on the market because of lack of activity in many areas.
Many insurers do not want to risk make this kind of home, even though most of the time is good, and nothing is done to these houses, but nobody lives in them.
"Insurers in general do not like to cover vacant homes. This is because, asEvents such as theft, vandalism, fire and water are much more common in empty houses happen to be occupied, and the resulting damage is more likely to get worse because there is nobody to report or stop it.
Most insurers simply cease to cover it all together when a house for more than 30 days will be empty and no new residents have moved to
While there are some things you do to avoid this situation, even if homeowners do not forget that any policyand the insurance company is different.
"There are, however, some insurers allow you to make a vacancy," if you wish, 30 days before the deadline. These permits will cover most of which previously did not protect, but the house against things like vandalism, glass breakage or water damage. "
If you know that you have an empty house on their hands for some time, has not lost all hope.
Some insurance companies offer insuranceEspecially for the houses vacant, although not always at reasonable prices. If you opt for this type of situation, the best thing would be to look first for the best prices and policies.
"Some large insurers and surplus line insurer offering free-of-home insurance - for a price, of course. Please call and do a search on the web. The same insurer cut to beat a record, if you have a central alarm system for fire and theft have deadbolt locks and smoke detectorsinstalled and have your home in winter to protect installers of freezing temperatures. And ordered that those who come regularly, is to verify the site is likely to earn a lower premium. "
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