Your home suffers a windstorm loss and your domestic insurer refuses to provide "full coverage" for your
vacant dwelling. Unfortunately, your domestic
insurer had excluded this coverage. Now, not only are you responsible for the
full cost of repairs to your home, but you must also contact a claims adjuster
and tradespeople.
This policy would pay this loss subject to the terms and conditions of our
wording and would appoint an adjuster and competent tradespeople to complete
repairs on your home.
Your domestic insurer grants full protection to your home but as a consequence
of its vacancy status, forces you to take a disproportionately high deductible.
You suffer a substantial loss and find that your domestic insurer won't begin
repair work until you pay the deductible.
This policy would pay this loss subject to the deductible you chose at the
onset of the policy.
Your domestic insurer refuses to provide personal liability insurance on your
vacant home. A neighbor's child accidentally injures himself on your property
and you are sued for bodily injury.
This policy automatically includes personal liability insurance to cover
your vacant home; included are legal defense costs and medical expenses for
injured third parties.