A median of $230,000 in a city with a substantial military population. A household that can be ordered to move has insurance questions that a settled household never faces.
A permanent change of station can leave a house empty, rented or sold on short notice. Each is a different policy.
Three things about owning a home you may be ordered to leave.
A permanent change of station can give weeks rather than months. In that window a household has to decide whether to sell, rent or leave the house empty, and each of those is a different insurance position. Deciding under time pressure is when the policy gets forgotten entirely.
If the house sits unsold and unoccupied, most forms restrict cover after a stated period, with water damage and vandalism the first to go. That is precisely the period when nobody is there to notice a problem.
A homeowners policy does not become a landlord policy because circumstances changed. If tenants move in, the form has to change with them, and the time to arrange that is before the keys are handed over.
Planning for a move that may not be your choice.
It changes what we recommend now rather than later.
Sold, rented or empty are three different policies.
It matters for both the vacancy clause and for finding problems early.
Tell us whether a move is possible in the next year. It changes what we set up now.
