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My home will be unoccupied. Am I protected?

My home will be unoccupied. Am I protected?

Vacant homes are a common thing and unfortunately there are many common dangers that come along with owning a vacant home.

Maybe you have just bought a new house and your old one is sitting vacant while you are selling it. Or perhaps you are a “snowbird” and leave your home unattended for months on end.

There are some steps that you can take to protect your home while you are not there to protect it yourself. Theft is a concern of most homeowners and it becomes even more of a concern when you are not near your home.

 

Ways to protect your vacant home from theft:

1. Check with your Insurance Agent
If your home will be vacant or unoccupied for a period of time, it is best to talk with your insurance agent and find out if your current policy will provide coverage.

2. Take an inventory of your home and belongings
If theft happens it’s easier to file a claim if you have a list of things that you own.
The best thing to do is go through your home and videotape or photograph your personal items and then store the digital files in a safe location, either at a bank or with your insurance agent.

3. Remove any valuables from your home
Things that you consider irreplaceable like family heirlooms or jewelry should be removed from your home before you leave.
It is best to store those items in a safe location not in the vacant home.

4. Install security systems
There are many choices when it comes to security systems; Alarms, Lighting, and Cameras are a few options.

5.  Alert others of Vacancy
You can alert your local police so they can keep an eye on suspicious behavior. Another option is to notify neighbors/friends that your home will be sitting vacant so they can keep an eye on it.

Homeowners H20 Woes–Things to know

Homeowners H20 Woes–Things to know