Here’s a scenario to consider: You have got a family emergency halfway across the country, so you take a leave of absence from your job, pick up your family, and leave. You’re gone for about 5 weeks, and when you get home, you discover that your home has been broken into and that each one of your electronics and jewelry are nowhere to be found. Clearly you call your insurance company, calmly explaining what the problem is and where you were when it happened. And then your insurance agent asks the fateful query: How long were you away from home?

Now, you could continuously fib, however if you don’t want to induce caught in a very lie, you may just say that you were gone for 5 weeks. Then, your insurance agent will say that they will not cover the damages to your home or the loss of your property. Why is this? Well, you did not have unoccupied home insurance.

Here’s how this works. When you buy a home and cast off insurance on it, your insurance company makes the logical assumption that you’re going to live in it most of the time. If you’re gone for a lot of than thirty days, there is a very, very smart probability that thieves can pick up on the very fact and start planning to raid your home whereas you are away. Of course, the theft rate skyrockets for homes whose homeowners are gone without house sitters or someone to check on the house throughout the day for even a couple of weeks at a time.

If your insurance company finds out that you aren’t going to be home for an extended stretch of your time, it could cancel your insurance. After all, there could be a clause stating one thing like that truth in your insurance policy’s contract. This is simply one tool that insurance firms have to mitigate their risk, which is what they are all about.

Thus, so as to keep from losing your insurance, you need to either have someone keep at your home or look around for unoccupied home insurance. These policies can in all probability be more expensive than your traditional homeowners policy as a result of, after all, you are asking the insurance company to require on more risk. But, paying the additional premium is nothing compared to having to replace all your jewelry, electronics, and other valuable things out of pocket after you get home.

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