Vacancy Clause after a Death of a Loved One

Vacant Home Insurance Now would like to remind everyone that after the death of a loved one, each insurance company will have a different extension of benefits clause for a vacant home.

In some instances, a few homeowners insurance companies will insure a vacant home, and essentially provide vacant home insurance for up to a full year. In most situations, this "run out" period may far more limited and may only be 30 or 60 days. The most important thing to remember when dealing with an unoccupied home is not to leave anything to chance, and to contact the insurance company as soon as possible and report the circumstances to them.

Ask them if they offer vacant home insurance. Most will not. Ask if they have an extension of benefits provision for a vacant home after a death in the family. Some insurance companies will not immediately terminate the insurance in this instance. However, in all instances get the extension of benefits in writing and do not trust anyone that tells you the home is still covered even though the house is empty. Always collect this documentation and proof of coverage.