Homeowners Vacancy Insurance

[ukjenn231]

I started traveling last year.

When my husband and I first left our home, friends stayed in our house for about 6 weeks. The week after they left, the toilet malfunctioned and flooded our house. Big homeowners claim resulted, our insurance treated us well and fixed everything. Obviously while the house was being worked on, nobody stayed there.

Since the house was finished in October, we have been back for a total of 3 or 4 weeks. Haven't been home since Thanksgiving though because I had to work the holidays. Anyways, insurance knew nobody was home when the flood occured, never said anything. They knew I was working in a different state and that we traveled back and forth. Now, this week, months later, they sent us a cancellation notice of our policy stating "vacancy is unacceptable." I think I know the real reason they want to cancel us (we actually had to make a sizable claim...)

So... not sure what we're going to do, I have been doing research on vacancy insurance and basically was wondering what other travelers do if you leave your "permanent" home unattended during assignments.

Thanks in advance!

[LR59]

This sound bogus. I moved from East to West last year,my home is vacant because we refuse to give it away in this market. Our insurance co. knows it and has never said anything.

[79Tango]

Ive heard of this happening---They dont want to insure anything "vacant" as people might be tempted to "cash out" on the investment they are most likely upside down on. The place is much more susceptible to vandalism/fire when it is empty.