Vacant Home Insurance Renewals

Clients that purchase vacant homeowners insurance through XN Financial Services, Inc. using a Lloyd's of London policy are reminded that it is the responsibility of the homeowner to contact XN Financial if they need a renewal. Although processes and procedures have been put in place where longer term clients are contacted via email about expiring vacant homeowners insurance policies and what needs to be done to obtain a renewal, vacant home insurance is typically used on a "one time special circumstance" situation and is not regular homeowners insurance where a renewal is expected year after year.

Because clients that purchase 6 month, or one year policies most often DO NOT renew, it is the responsibility of the policyholder to reach out to XN Financial at www.xn.com, service@xn.com and by calling 514-908-1835 if they need a renewal.

Most policies that are allowed to expire cannot be backdated and no coverage for vacant home insurance will exist after the expiration date on the declarations page. Claims will not be honored on any vacant house after the expiration date. XN Financial is not responsible if there are claims on homes after the expiration date.