as administrator to an estate left to my children, how do i go about getting home-owners insurance, as this is a vacant dwelling 3 hours from my house

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 20, 2011

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Insurance Question from Kingsport, TN

Asked on 09/20/2011

as administrator to an estate left to my children, how do i go about getting home-owners insurance, as this is a vacant dwelling 3 hours from my house the previous insurance will not give me a quote as the house is vacant, but I must have insurance until the estate is settled/ sold. I do not own my own home, and my auto insurance carrier will not insure a vacant property.

Answer given on September 23, 2011

Insuring a vacant home is a very difficult situation. Most insurance companies feel that a vacant home is more likely to suffer a loss due to vandalism or even caused by weather conditions or water damage from a leaking pipe.Since the current company will not remain on the insurance for this vacant home, you need to contact an insurance agent who represents specialty companies. One of these companies will probably write the insurance, but the cost will be extremely high and will most likely have a high deductible.You may want to investigate having someone stay at the home. Even if they are only there a few days a week, then the home would not be considered vacant and you would find it much easier to find insurance. Perhaps you have a neighbor there who would know of someone willing to stay in the home on occasions. You could put in some furniture, like a bed, sofa, table to make it more comfortable for whoever stays there. It is possible that an insurance company would accept the risk if you put in furniture and stayed there on weekends. It would then not be considered a vacant property. Talk to the current insurance company about this. They may be willing to reconsider if that situation occurs.

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