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In Reply to: Mother in nursing home. Property unoccupied, Insurance needed posted by Christine Henney on September 09, 2003 at 23:41:09:
Contact an independent agent to see if you can get coverage through them. Be certain to explain that the property is vacant when you apply for the policy, as almost all policies have exclusions for vacancy (that is, no coverage for losses when the property is vacant, usually more than 30 or 60 days).
Note--an Independent Agent is one who represents many companies to find coverage for you, not just one (like State Farm, Farmers, Allstate) and may have a better chance of covering the property.
: After my mother was placed in a nursing home, about 8 months later, I was told by her homeowner's insurance that the policy was no longer covering the home. I was then to change over to a policy of vandalism and fire. After 6 months of that change, I was notified of my coverage would be dropped and there is not any additional cover that I can have. I would like information on what kind, if any, insurance I can cover my mother's property for liability, theft, and of natural causes. Is there any such plans for this coverage. I really didn't want to sell her property (being POA) until after her death, but I may have to, if I can't get any insurance to protect her dwelling