投资房保险的事情 (转载) - 未名空间MITBBS历史存档

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投资房保险的事情 (转载)

投资房保险的事情 (转载)# Living

g*k2014-11-21 08:11

1 楼

【以下文字转载自 Investment 讨论区】
发信人: gastank (一点就爆), 信区: Investment
标题: 投资房保险的事情
发信站: BBS 未名空间站 (Fri Nov 21 17:56:49 2014, 美东)
夏天七八月份买了个投资房,一直没有找到房客。就在空的这段时间,有小偷进去给房子
搞了破坏，大概要15000-20000来修. 给保险公司AAA打电话，求报。AAA说因为房子空
了超过60天，不给保。但是AAA卖保险的时候,没有disclose这一项，没说哪个可以保哪
个不可以保。有什末办法吗?
如果跟AAA最后没法达成一致,可不可以去Bureau of Consumer Protection或其他机构
反映?
多谢

p*r2014-11-21 08:11

2 楼

Insurance companies make the following distinctions between homes that are
unoccupied and those that are vacant:
*Unoccupied home. The property has been left as if the owners will return at
any time.
*Vacant home. The property is entirely empty, without any personal property
inside.
Home insurance companies typically require you to contact them and request
an endorsement or a special permit for a home that will be unoccupied for 30
or more consecutive days, Dubinsky says. In some cases, you may be charged
for the permit or endorsement.
Some insurance companies allow homes to be unoccupied for 60 days before
requiring notification. The time limit is stated in the policy.
A vacant home will draw even more scrutiny than an unoccupied home. "A
vacant home will require either an endorsement or a separate policy,
depending on the insurance company," he says. "Some insurance companies will
not insure vacant homes at all."

p*r2014-11-21 08:11

3 楼

Leaving your home empty while traveling. Owners of vacation homes occupied
for only part of the year or people who leave their primary homes for
extended trips may need to pay a surcharge for an endorsement that provides
additional coverage.
Asking a house sitter to watch over an empty home. Individual insurance
companies vary in the way they view house sitters. Dubisky says that having
a house sitter or neighbor check on your property may not make a difference
to your insurance company, since the property is not occupied by the owner.
On the other hand, "MetLife views a home with a house sitter as occupied, so
no surcharge would be applied while the sitter is in residence," says
Richard Caughron, a senior product manager at MetLife.

s*a2014-11-21 08:11

4 楼

看了么，7，8月买了，现在还没租出去

g*k2014-11-21 08:11

5 楼

谢谢info。那买保险时我说了这是rental property，卖保险的agent什末都没说我咋知
道。应该怎末交涉?

at
property
30
charged

【在 p*********r 的大作中提到】

: Insurance companies make the following distinctions between homes that are
: unoccupied and those that are vacant:
: *Unoccupied home. The property has been left as if the owners will return at
: any time.
: *Vacant home. The property is entirely empty, without any personal property
: inside.
: Home insurance companies typically require you to contact them and request
: an endorsement or a special permit for a home that will be unoccupied for 30
: or more consecutive days, Dubinsky says. In some cases, you may be charged
: for the permit or endorsement.