Are you planning on taking an extended vacation to explore the world or just get away from it all? If so, you may be wondering if your homeowners insurance will cancel while you’re gone. It’s a common concern for many homeowners who want to make sure their homes and belongings are protected while they’re away.
In this blog post, we’ll take a closer look at whether or not your insurance policy will be affected by your long absence and what steps you can take to ensure peace of mind before embarking on your journey. So sit back, relax, and let’s dive into the details!
Will Homeowners Insurance Cancel If I Go On Long Vacation?
Homeowners insurance policies typically cover personal property located in a homeowner’s residence, whether or not the homeowner is on vacation. However, many policies do have clauses that specifically address travel cancellations.
If you cancel your trip within a certain number of days of departure, your policy may be cancelled automatically. But if you cancel more than 14 days before your trip, you will likely be responsible for the full cost of your trip should something happen while you’re away.
What is Cancellation Policy?
If you’re considering canceling your homeowners insurance policy, be aware that your insurer may not be happy about it. In most cases, homeowners insurers will not cancel your policy if you go on a long vacation – even if you plan to leave the property vacant.
However, there are a few exceptions to this rule. If you have an ” abandonment ” clause in your policy and fail to make required repairs or take other measures to keep the home insured, your insurer may cancel your policy.
When will my policy cancel?
If you go on a long vacation, your homeowners insurance policy may cancel. Vacation is considered a “non-covered event” under most policies, which means that your policy won’t cover any losses you experience while away. Make sure to check with your insurer before leaving to be sure that your coverage will still be in place.
How to get a refund on homeowners insurance
If you’re thinking of taking a long vacation, be sure to check with your homeowners insurance agent first. Some companies may cancel your policy if you go away for an extended period of time. Others may only suspend your coverage while you’re gone. If you’re not sure whether your policy will be affected, ask your agent.
Conclusion
Homeowners insurance policies vary from state to state, so it’s important to always check with your insurance provider before you go on a long vacation. If you’re away for more than 30 days, it’s possible that your homeowners insurance policy will no longer cover your home if it’s damaged or destroyed while you’re gone.
If this is the case, make sure to speak with your insurer prior to leaving so that they can provide you with proper documentation and explain any additional coverage that may be available.
