Hazard insurance

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PostPosted: Sat Sep 10, 2011 8:49 pm   Post subject: Hazard insurance  

We own a second home, it is just in my husbands name.

We live in our joint home.

We have hazard insurance on the one in just his name.

There was a fire today, bad. I looked at the insurance paperwork and it says that it's based on owner occupied.

While my husband does not live there, the house was occupied by our nephew, as we did not want to leave it vacant.

He does not pay rent, he is just a family member making sure nothing happens to it Sad

It is not on the market, we were actually waiting for the marked to get a little bit better before selling.

What I need to know is, if we are still covered since even tho my husband doesn't live there, it's not vacant or a rental.

Should my husband say he lives there occasionally?

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PostPosted: Sun Sep 11, 2011 2:49 am   Post subject:   

Without seeing the wording of the policy, it will not be an issue. A vacant home is at much higher risk for arson. As long as someone is living in the home there should not be an issue.

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PostPosted: Tue Sep 13, 2011 5:30 am   Post subject:   

You may claim on the insurance and if asked may mention it was occupied by family member.

that shouldn't cause much of a trouble, as it was occupied and not by a tenant.

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PostPosted: Tue Sep 13, 2011 11:24 am   Post subject:   

Thank you both. We are still waiting for the insurance to call us back.

I hope you're both right.

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PostPosted: Sat Oct 22, 2011 3:42 am   Post subject:   

Exactly, if your relative is residing in the home, then there will be no risk of any type of damage.


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