When you are presented with vacanct or unoccupied property issue for your property you must know for valid property coverage.  If your proprty is vacant or unoccupied for more than thirty days, except for vacation, hosptial stay, a military asignment, and certain other, your property coverage will be void accourding to most all property policies. A rider can be added for coverage if you notify our office timely.

   Before leaving  home there are some things you should consider so that when you return you are less likely to be presented with the stress of unmanaged risks. Your return should be to a place of peace and rest from your travels.

  

Today people have many items that appreciate in value, are unique, or are items that are moved from place to place. These items do not fit the coverage benefits of the normal insurance policy, leaving them covered improperly, or not at all. Many of these items are excluded from the normal policy specifically.  Examples are antiques, collectibles, fine art, tools, portable computers, outside equipment, cell phones, etc.  It is therefore critical to have an inventory to establish proper values and to provide a schedule of item for coverage.

   If you should buy a property that is in need of some rehab, there are special risk management elements that must be considered before you begin.

  

   The vacation property can present itself with some interesting challenges, today, because it is often vacant, has personal property left in it, and has liability issues.

   Without a quality inventory of your personal property and scheduled property that is current, the agent has only a guess of what your need should be for a covered loss.  This could mean you are over insured and paying to much premium or underinsured for a possible loss. Lack of inventory control could mean lost or misplaced property or unnecessary duplication of property.  An inventory of scheduled property is critical to establish its value and to provide coverage.  Personal property coverage is connected with a building, those items when removed will lack coverage with few exceptions. Sample forms and a suggested plan to accomplish this follow.

   We can review your risks for construction occasions, either for a new build, addition, or remodeling of your home, rental, vacation home, or for other residential structure.