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 - Product Review: Black Tire Paint - by Staff. I have been fortunate in that two of my tractors have had rear tires that were in great shape when I bought the tractor. My model "H" even had the old style fronts with plenty of tread. My "L" fronts were mismatched Sears Guardsman snow tires, which I promptly tossed. Well, although these tires were in good shape as far as tread was concerned, they looked real sad. All were flat, but new tubes fixed that. In addition to years and years of scuffing and fading, they had paint splattered on
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