What Does Vacant Home Insurance Cover?

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   Ted Ratliff

   Owner, SFS Associates,

   Coverage on a vacant home would cover perils such as Fire,Wind,Lightning, Hail and other perils such as Vandalism and theft.  It will also cover liability if someone is hurt on the property.  Frozen pipes would only be covered if there were reasonable attempts to prevent such freezing.  Reasonable attempts must also be made to secure the home and maintain the home.

   Answered on July 20, 2013

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