How Long Is Too Long?
If you leave the home unoccupied, this means someone could easily move in. The utilities are still in place. The home’s furniture is still present. If the home is truly vacant, there are no belongings here. The utilities are off. This is a higher risk situation. Less than 30 days may apply.
What Happens if Your Home Is Vacant?
If the individual is moving into a nursing home, things are different. The individual may not be in the home long-term. In this case, the home insurance policy is unlikely to remain in place. Let your agent know the circumstances. Are you selling the home? Will you keep it? Will someone else live there until your loved one returns? Provide insight to the company about the plans for the property. If you do not, they may cancel the policy. Vacant home insurance is an option. However, few companies offer it.
The key is to keep the property safe. If your loved one will not live there, consider letting someone move in. This can eliminate any concern about the home insurance policy’s cancellation. It also gives you peace of mind. Someone is watching the home and keeping it safe.