October 16, 2008
What is the definition for “unoccupied” when applied to house insurance?
milikijanice asked:
I am planning to be away from home for three months at the beginning of next year, but my policy says the house can be unoccupied for only 45 days in one period. If my sister stays for 1-2 nights in the middle of my absence, would this qualify as an occupation?
I am planning to be away from home for three months at the beginning of next year, but my policy says the house can be unoccupied for only 45 days in one period. If my sister stays for 1-2 nights in the middle of my absence, would this qualify as an occupation?
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Comments on What is the definition for “unoccupied” when applied to house insurance? »
sure sounds like it to me, I would make it a week if possible to be on the safe side.
Yes. Unoccupied means standing empty. So if she spends a night or two there in the middle, the timer starts over. But to be certain, if I were you, I would just call my insurance company and ask. You will be covered then if anything does happen.
If anybody can stay in your house, while you are away, it can then be classified as occupied. Though you will need to inform the insurance company. Unoccupied means totally empty in house terms.
If the house burns down or is destroyed by acts of nature, will it be covered? That’s what you have to ask yourself! Is it worth saving a few bucks then ending up with nothing? Call your agent and tell them…Merry Christmas!