Do not know what state you are in, But a homeowners that no longer has the named insured living at that address by Insurance Service Office rules is declared vacant. This could happen and frequently does in my agency because someone doesn't want to bother telling me that they are working out of state a few months, but change their mailing address with company. Guess what the company is going to put a vacancy clause on policy that will almost double the premium. Then when it doubles, I have to get affidavits from insured to prove to underwriter that they still live in the home. How much easier if they would have taken time to call. Also most homeowner forms will not cover for any kind of liability for farmland, whether you are farming it or not, and if you own it over 40 acres. Make sure what you are buying. If the policy does not say it is a covered item, the company will usually take the road that it is not covered. Also, because of my errors and omissions coverage, I also will not move a person that has any kind of farm exposure, land, creeks, ponds, rented to others, to a homeowners liability. Business is my lifeblood, but when I delete liability, the courts have said, I, not the landowner, should not have done this because I know the risks. A new agent will write you what you want. As JohnT says, consult a professional in your area and if someone tells you something is covered and can't show you in the policy where the policy states it is covered, you need to assume it is not covered. I know this is probably what you do not want to hear, but there is some of us try hard.
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Today's Featured Article - 12-Volt Conversions for 4-Cylinder Ford 2000 & 4000 Tractors - by Tommy Duvall. After two summers of having to park my old 1964 model 4000 gas 4 cyl. on a hill just in case the 6 volt system, for whatever reason, would not crank her, I decided to try the 12 volt conversion. After some research of convert or not, I decided to go ahead, the main reason being that this tractor was a working tractor, not a show tractor (yet). I did keep everything I replaced for the day I do want to restore her to showroom condition.
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