Each residence has its own risk, and being away changes it.
What it generally covers
- Each home insured to its own value
- Coverage while a home is unoccupied or used seasonally
- Liability across all residences
- Caretaker or staff exposures
Where gaps often hide
- Vacancy and unoccupancy clauses
- Different wind and flood exposure by location
- Policies with different terms that do not fit together
Questions worth asking
- What conditions apply when a home is unoccupied?
- Do all homes have the same deductibles?
- Is a caretaker required?
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.