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Leaving on vacation? What you don’t know CAN (and will) hurt you!
  I was recently teaching in Ottawa for the Accredited Senior Agent Society. Part of the course discusses how the Insurance industry deals, or more specifically, DOES NOT deal with vacant properties, such as an estate property.  Most insurance companies DO NOT extend coverage beyond 60 days without HEFTY premiums - IF AT ALL!  Further, there are usually requirements pertaining to the property being inspected every day or two!  In many cases, THIS ALSO APPLIES WHEN YOU LEAVE ON VACATION!  Many policies insist the homeowner notify the Insurer, in writing, if they will be away for more than 15 days and that someone be responsible to check out the property on a continuous and regular basis.  
While we are on the subject of what can cancel your policy, additions or alterations to the premises, without agreement from the Insurer, could leave you without coverage due to such things as adding asecond kitchen, etc.  I had a client some years ago that had a small fire in the home (approx $1,500 in damage).  When the inspector for the Insurer inspected the property, he noted that the homeownerhad added a “heatalator” type insert into the fireplace.  The Insurer refused to pay as ... more

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