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Empty House for 3 Months… Will Insurance Pay?

🛑 Away for Months? Your Home Insurance Might Not Pay! 🏠💧

If your house sits empty for more than 30–60 days, your homeowner’s policy might limit or deny coverage—especially for things like long-term leaks.

✅ Insurance “vacant” means no one’s living there—even if it’s fully furnished.

✅ Damage that sits for weeks? Often excluded as “neglect” or “long-term damage.”

✅ First steps if you find damage:

1️⃣ Document everything (photos + videos)

2️⃣ Call your insurance company

3️⃣ Be honest about your timeline

4️⃣ Let the adjuster inspect

💡 Pro Tip: If you’ll be away, have someone check in regularly or add vacancy coverage. It’s cheaper than a denied claim!

🎓 Got a teen with a permit?

Even if they’re just practicing, your insurance company needs to know. 🚗

Good news: rates don’t spike too much until they’re fully licensed.

Bonus tip 👉 Ask about good student discounts—they can save you $$ every year!

🛡️Think your home insurance only covers fire or theft?

It can also protect you from legal drama—if you have the right add-on. 👀

🎯Personal Injury coverage = protection from lawsuits like:

• Slander & libel

• Social media posts gone wrong

• Invasion of privacy accusations

👨‍👩‍👧‍👦 Covers your household—even your teen's online posts!

💬 "One lawsuit over a post, and you’ll wish you had this."

✅ Ask your agent if you have it. It’s just a few bucks a month—and worth every penny.

🏠💻📱⚖️