Home Insurance While Away
Home Insurance while away can be a tricky situation. If you are not going to be home for more than a day or two, your insurance coverage could be affected by an exclusion. It is important to understand this exclusion so that you can take appropriate action to ensure your coverage stays in force.
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Before going away for any length of time, it is important that you find out the policy wording that your insurer provides. The policy wording gives the rules on what is and isn't covered, including what to do when leaving your house. With some insurers, if you are away for more than a couple of days, and there is a claim, then the policy would not pay out. The number of days varies with insurers, and the type of claim does too. Most policies will continue coverage as long as someone is checking on the house daily. Having a responsible person check on the house daily reduces damage that might occur if something does go wrong (e.g. a burst pipe), and reduces the chances of the home being broken into.
If you are going to be away for longer than a month, your insurer might want to charge an extra premium for Vacant House Insurance. Again, this varies by insurer. But vacant house insurance is quite expensive.
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Canada Home Insurance
Note: Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility. Make sure you review the "please read" page.
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