????? How would we know what your policy states? READ YOUR POLICY.
Here is what I do know in a generic understanding of how many homeowner policies work.
YES, your insurance CAN be cancelled if the home is left vacant.
However, going on vacation is not what we are talking about. VACANT is when the home has been emptied of furnishing and no one lives there. In that situation, if the insurnace company finds out your home is void of furnishing and no one lives there, the policy can be cancelled, even if you are making your payments The lender, who requires the insurance to be in place, will, after a period of warning, begin foreclosure.
On a more sinsiter note, the insurance company may allow you to keep making payments. If, at the time of a claim, the house is discovered 'vacant' by my defination, your claim willl be denied and all you may be entitled to is the payments made after the time you notified the insureance company the house was vacant.
Yoiu should consider leaving the electricity on, (water heater/fridge off) and a few lights on a timer.
And yes, have someone stop by accaisonally. Local flyers, newspaper, debris on front stoop says, "BREAK IN HERE- NOBODY HOME." The burgers knoiw that. The insurance company knows that. Now you do also. However, going on a six month vacation willl not result of a concellation of your insurance. Be risk aware and take the proper measures to make sure "Home Sweet Home" is still sweet when you return.
Read your policy. Call your insurance agent. You and they are the only people who can see what's hiddend in that waterfall of words.
Best of success,
Annette Lawrence, Broker/Associate
Remax Realtec Group
Palm Harbor FL
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