Vacant home insurance - when and why do you need it? It may surprise you to learn that tradition When you're moving, the last thing you want to think about is protecting the property you're moving out of. You're already bogged down with finding a buyer for your old place, finding a new place you like, and getting packed and moved out as soon as you can. Before you go, stop and think: is my house covered while I'm not living in it? A property is considered vacant when it's empty of personal property and furniture, and isn't ready to be immediately lived in. Vacant homes are exposed to unique risks: minor problems can become damaging and costly because the home owner isn't around to notice and fix them before al homeowners insurance doesn't cover vacant homes. Homeowners insurance is limited by vacancy terms, which stipulate how long your house can be vacant before your policy no longer protects it A vacancy endorsement is one potential solu- tion. This endorsement adds coverage to your existing policy on the home to combat the new risks the property faces. If your current insurer doesn't offer endorsements for vacant homes, then it's time to look for a separate vacant home insurance policy from either your current provider or a new insurer who can offer a better quote. By protecting your vacant home, you're keeping an investment safe until it arrives in the trustworthy real issues arise. An empty house is also in danger of being broken into or burning down. The best solution is to take proactive steps to protect your vacant home, and to purchase vacant home policy or add a vacancy endorsement. Steps you can take to protect your vacant house include equipping it with a digital home security system and a digital smoke and carbon monoxide alarm programmed to send alerts to your phone or computer. You should also alert your neighbors to your upcoming absence. This way, you can focus on your relocation and have peace of mind that your former home is protected. hands of a new owner GMG At GMG, we believe in protecting what you love from the complex and growing risks of the modern world. We find the coverage and services that keep you and what you love safe from the costly claims that come your way. Contact us at 866-977-7568, contact@gmgins.com or visit GMGins.com. Insurance Agency Submitted by GMG Insurance Agency Vacant home insurance - when and why do you need it? It may surprise you to learn that tradition When you're moving, the last thing you want to think about is protecting the property you're moving out of. You're already bogged down with finding a buyer for your old place, finding a new place you like, and getting packed and moved out as soon as you can. Before you go, stop and think: is my house covered while I'm not living in it? A property is considered vacant when it's empty of personal property and furniture, and isn't ready to be immediately lived in. Vacant homes are exposed to unique risks: minor problems can become damaging and costly because the home owner isn't around to notice and fix them before al homeowners insurance doesn't cover vacant homes. Homeowners insurance is limited by vacancy terms, which stipulate how long your house can be vacant before your policy no longer protects it A vacancy endorsement is one potential solu- tion. This endorsement adds coverage to your existing policy on the home to combat the new risks the property faces. If your current insurer doesn't offer endorsements for vacant homes, then it's time to look for a separate vacant home insurance policy from either your current provider or a new insurer who can offer a better quote. By protecting your vacant home, you're keeping an investment safe until it arrives in the trustworthy real issues arise. An empty house is also in danger of being broken into or burning down. The best solution is to take proactive steps to protect your vacant home, and to purchase vacant home policy or add a vacancy endorsement. Steps you can take to protect your vacant house include equipping it with a digital home security system and a digital smoke and carbon monoxide alarm programmed to send alerts to your phone or computer. You should also alert your neighbors to your upcoming absence. This way, you can focus on your relocation and have peace of mind that your former home is protected. hands of a new owner GMG At GMG, we believe in protecting what you love from the complex and growing risks of the modern world. We find the coverage and services that keep you and what you love safe from the costly claims that come your way. Contact us at 866-977-7568, contact@gmgins.com or visit GMGins.com. Insurance Agency Submitted by GMG Insurance Agency