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Hartford Home Insurance
November 9, 2011 | 
Author America Insurance Brokers proudly represents The Hartford insurance company.
The Hartford has a large assortment of insurance products but in our region, The Hartford does not provide insurance for vacant homes.
Vacant Home Insurance is available from a large number of other insurance companies outside of The Hartford and America Insurance Brokers has MANY insurance carriers that provide vacant home insurance with Low Cost and Broad coverage options.
If you are looking for a quote on Vacant Home insurance, consider giving us a call at 1-855-5Vacant or start an online application by clicking here.
(Quotes provided will not be quoted with The Hartford)
Home Policy Canceled
I’m always amazed at the tenacity of the insurance company that writes its insured to state: Your policy is being canceled due to the home being vacant. The insured has remained claim free, pays their bill, and now the insured is being canceled?
Reality: The insurance company has more risk for major claims when a home is vacant.
Example: In November 2008, a customer called me letting us know the insurance company was not going to pay for a claim. The claim was pretty straight forward… A tree went through the roof. That is a traditional claim no worries.. Right? The insurance company agreed to pay for the damage to the roof and remove the tree. The insurance company declined coverage for the water line that was damaged and flooded the home. The waterline flooded the house for over 10 days. There is NO DOUBT that the roof claim was much less cost than the water damage.
NOTE: Had the home been insured with a “vacant home” policy, the question of paying the claim may have been less questionable.
Did you recieve notice? Is your home insurance policy being canceled due to vacancy?
There are options.
- www.showhomesofatlanta.com provides a service to “stage” the home while keeping the home occupied.
- Rent your home and look to sell your home when the market changes. Getting a landlord policy in the interium would then be needed.
- Lastly, the last choice is a vacant home policy. The policy is expensive in comparison to a traditional policy and provides good coverage but not as robust coverage as a Landlord Policy or a Homeowner Policy.
When you are ready for that vacant home quote, give us a call or submit the online quote.
Sincerely,
Paul “Matt Locke”
1-877-MattLocke
Posted in 1-877-MattLocke, canceled, claim, Coverage, Georgia Agent, homeowner, Insurance, landlord, Policy, show homes, Vacant | 
Tags: canceled policy, notice, Vacant | 
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Fast Coverage
Purchasing homes from the court house steps? Call us prior to leaving the steps and we will have coverage issued IMMEDIATELY. Coverage can be bound over the phone. Many times, we have the information on your home via FMLS and local tax records. Our ability to pull the info on the home being purchased keeps your process of obtaining coverage EASIER and FAST.
Payments can be made via Visa, MasterCard over the phone and a binder can on your blackberry prior to your departing the courthouse steps.
Coverage can provide insurance for the Vacancy and the renovations (builders risk). More importantly, when you are ready to convert the policy to a landlord policy or homeowner policy, we can do the conversion and refund a majority of the Vacant Home policy premium.
Call us or e-mail us prior to going to the court house and the policy will be ready when you are.
1-877-MattLocke or 678-682-9700
Posted in Builders Risk, Court House, Coverage, Flip, fmls, Georgia Agency, Georgia Agent, homeowner, Insurance, landlord, Real Estate Investor, Vacant | No Comments »