U.S. Contractors Working Abroad May Need Vacant Home Insurance

Hundreds of thousands of people leave the United States and Canada in order to take jobs in other countries, either as employees or independent contractors. These people need to know that if the home is left empty for just 60 or 90 days, with some homeowners insurance companies, vacant homeowners insurance (also called vacant home insurance) may be necessary.

"We have seen people that have taken 3 year job assignments abroad and they never even consider the vacant home insurance issue at all. What's more, they don't tell their agent or their insurance company the home is not occupied or vacant."

This is a big mistake. As we have seen, coverage can be cancelled or claims can be denied during the claim adjustment process. Employees going to work overseas seem to do a better job in other areas like international medical insurance and international workers compensation insurance, but they often forget about the vacant home insurance entirely.