A substantial share of Scottsdale tenancies run for a season rather than a year. A policy written on the assumption that somebody is always home behaves differently when nobody is.
Most forms restrict cover once a residence is unoccupied beyond a stated period. Seasonal tenancy can cross it.
Three things about a home that is empty for months at a time.
Policies commonly restrict or exclude certain perils once a residence has been unoccupied beyond a stated number of consecutive days. Vandalism and water damage are usually the first to go. A tenant who leaves for four months and says nothing can return to cover that quietly narrowed while they were away.
A seasonal tenant typically leaves furniture and possessions in place. Those are covered, subject to whatever the vacancy condition has done to the policy, which is precisely why the arrangement needs declaring rather than assuming.
Lapsing cover saves a few months of premium, leaves the belongings uninsured, and frequently costs more on re-application because continuous cover is itself a rating factor.
Written for the way the place is actually used.
Measured against the vacancy condition rather than hoped past it.
Furniture and possessions left behind are the thing being insured.
Continuous cover is cheaper than repeated re-application.
Tell us how many months a year you are there and what stays behind when you leave.
We write it for a part-year tenancy instead of pretending it is a full one.
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