This may be in the wrong section but hopefully someone knows the answer.
Here's how it happened:
I have my car insurance with the same company that holds our homeowners insurance. We decided to sell the house and move back to my husband's smaller, more private house that he had before we were married and never sold. When we moved, I changed my address with the insurance company like I thought I was supposed to. I didn't realize that they wouldn't insure a vacant house. Next thing we know, the insurance company calls and says our homeowner's policy is being cancelled because the house is unoccupied.
Here's what I've done so far:
I tell them that we're going to rent it until it is sold (which was a lie) and she says she'll be out in a couple of weeks to take pictures to prove that it is occupied. *&^%%$!!!!! What are we supposed to do now? I called another agent that I know and he said that if his company insured the house we live in now, they would provide temporary insurance for 1 year, but my husband just renewed the policy a few weeks ago.
The dilemna:
The bank that holds our mortgage requires us to carry homeowners insurance. But we can't get insurance on an unoccupied house! We could if we wanted to triple our yearly premium and that would only cover major stuff like fire, etc. Not vandalism or anything like that. Besides with 2 house payments we really can't afford to triple our insurance premium and who knows how long it will be before the house is sold thanks to our current economy status.
The question:
Does anyone know of any insurance companies that will insure an unoccupied house at a reasonable rate? It's only about 10 minutes from where we live so it's not like we never go by there but they don't take that into consideration.



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The premium is paid up until the end of May, so can they still cancel it before then?
Are there proper steps to follow?


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