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@Manitoba

pls see enclosed message sent by agent last year regarding vacancy permit ( number may vary per property )..

bentley(小兔)
... the problem is the old house. xxx and all other regular insurance companies are not a market for vacant house for sale. Your policy has first 30 days of vacancy covered. Beyond the 30 days, a vacancy permit must added to your policy with permission granted by insurance company. The additional premium for vacancy permit is $25 per month, subject to $50 minimum and approval by xxx. The vacancy house must be inspected by insured at least 3 times a week and all windows and doors securely locked, rubbish removed

My suggestion is we added this new house to your policy as principal home and change your old location as secondary location at this moment. Once your old location is unfurnished and vacancy for 30 days, we will request xxx for vacancy permit added to your old location. However you should sell your old location asap...
(#8442344@0)
Last Updated: 2013-10-29
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Replies, comments and Discussions:

  • 枫下家园 / 钱财税务 / 唉，是不是做错了？搬入新房旧房没有卖出去，如实报告保险公司，保险公司把旧房保险从500多/年涨到1200多，仅仅因为 vacant，理由是有水火损失无人及时扑救，这不是趁火打劫嘛，LP一通埋怨，因为已经付清房贷款，保险不必须的，我在琢磨是不是旧房可以不保了，钱紧阿。大家 -llrm(-); 2013-10-28 {116} (#8441508@0)
    对这种情况是怎么处理的？这房一直卖不下去正在考虑是不是可以投资出租，现在评估阶段，还没有决定，过来人说说该怎么做呢？
    • 我们都还没有二房。 -2841999(四友); 2013-10-28 (#8441525@0)
    • 如果你不报，真出事保险公司可以不保，你那500多也就白花了。 -susan_wu(皓皓妈升级版); 2013-10-28 (#8441533@0)
    • pls see enclosed message sent by agent last year regarding vacancy permit ( number may vary per property ).. -bentley(小兔); 2013-10-29 {840} (#8442344@0)
      ... the problem is the old house. xxx and all other regular insurance companies are not a market for vacant house for sale. Your policy has first 30 days of vacancy covered. Beyond the 30 days, a vacancy permit must added to your policy with permission granted by insurance company. The additional premium for vacancy permit is $25 per month, subject to $50 minimum and approval by xxx. The vacancy house must be inspected by insured at least 3 times a week and all windows and doors securely locked, rubbish removed

      My suggestion is we added this new house to your policy as principal home and change your old location as secondary location at this moment. Once your old location is unfurnished and vacancy for 30 days, we will request xxx for vacancy permit added to your old location. However you should sell your old location asap...
    • You should rent or sell it ASAP and let the insurance company know.They will update the price for you again. -pudding(布丁); 2013-10-29 (#8442510@0)
    • It is normal for the insurance company to charge more on vacant property due to high risk. -donor(donor); 2013-10-29 (#8442531@0)

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