Vacant Dwelling Insurance in Nebraska
Vacant Property Insurance Covers All Shapes & Sizes
Homes, rental properties, and business buildings can be unoccupied for several reasons. The previous homeowner might have been evicted, for example, and the property might be sitting unoccupied while it awaits a new buyer or lessee.
Or maybe a home’s current owner has already bought and moved into a new house but hasn’t sold the old one yet. Perhaps a business owner has invested in extensive upgrades to the building, requiring it to be unoccupied during the renovations. Maybe a military member stationed abroad maintains a home in the US that remains uninhabited most of the year. Or an apartment unit is empty while waiting for a new tenant. Whatever the case, let Writer Agency, LLC be your guide to vacant dwelling insurance in Nebraska.
Standard Home Insurance & the Owner-Occupied Provision
Standard home insurance policies are written under the stipulation that the insured property be “owner-occupied”. This means the person or at least one of the persons paying the mortgage and the insurance premium must live in the building year-round.
Generally speaking, most home insurance policies contain exclusions that kick in after a home has been left uninhabited over 30 days. In some instances, a homeowner’s policy might become completely nullified for inadequate owner occupancy.
Insurance policies for business and rental property typically include provisions requiring some form of occupancy, too. These work similarly to those found in home insurance.
Contact Writer Agency, LLC for a Free Tenant Dwelling Insurance Quote
If you’re shopping for landlord insurance in Ogallala, Nebraska, we’d be thrilled to hear from you! As an independent Nebraska insurance agency, we partner with numerous landlord insurance carriers. Why is that important? All those partners give us the capacity to save you the hassle and inconvenience of shopping around for insurance coverage. We’ll do it for you!
At Writer Agency, LLC, we are passionate about proper tenant dwelling insurance coverage. We believe that our professional responsibilities are not to a corporation, but to clients. We don’t work for the insurance industry. We work for you! We proudly service Ogallala, Nebraska, and its surrounding areas.
If you’re ready to start a new friendship with a landlord insurance agency in Nebraska that cares, call Writer Agency, LLC today at (308) 284-6417. Or for a free online tenant dwelling quote, fill out our online quote form on our contact page. We look forward to hearing from you.