Heading into holiday season, it makes sense to add security around the home and it’s also a good idea to check on your home insurance. Katy, TX insurance providers will generally have a clause stating that your policy becomes void should you be away from home for as little as 30 days.

The reason for this is that insurance policies directly relate to risk factors and an empty home is at much greater risk of theft or damage than one that is inhabited. Just as you would not leave home without ensuring you have held the mail, or have someone checking on the house, you should ensure your home is financially protected in the event of disaster.

Read your policy and check the vacancy clause. In the event that you are away for 35 days and you have a 60 day vacancy clause, your insurance will not be affected by your departure. When your home has a vacancy period shorter than your planned vacation, you will need to speak to your insurance agent prior to your departure. It is possible to purchase additional coverage for the specific period that your home will be vacant, giving you peace of mind that it is still being financially protected.

Be sure to check your policy whenever you are heading away to find out about any void clause on your home insurance in Katy, TX.  Residents should also check the expiration date on their policy if going away for an extended period of time to make sure the premium is paid and they are fully covered.  
 

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