When you purchased your vacation condo, you insured it responsibly. But did you get the right policy? Some condo insurance policies don’t cover condos that are unoccupied, such as vacation condos that you live in for only part of the year. This means that if something happens while you’re away, you may find you technically didn’t have any coverage for that event. Midwest Professional Insurance in Kansas can help you arrange suitable coverage that protects your property when you need it.
If No One’s There, No One Knows About Problems Until Later
The issue with vacant condos is that if something goes wrong, it may not be discovered for quite some time. This allows greater damage to occur. Take water leaks, for example. If there’s a leak at your primary residence, you’ll likely find it quickly; your water bill may seem high, or you may notice or hear the water. But at a vacant condo (where "vacant" means that it’s not occupied for long stretches of time regularly; it doesn’t refer to a condo where you normally live but are currently not living in because you’re on vacation somewhere else), you’re not there to spot the leak. That means that by the time you find out, there may be extensive water damage and more.
If you own a condo that remains empty for long periods, such as a vacation condo that you visit only a couple of months a year, you need specific coverage to ensure the property is protected while you’re away. Contact Midwest Professional Insurance in Kansas to find out more about this type of coverage.
