Vacant home Insurance

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The process of buying

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Vacant home Insurance

  1. 1. We Accept Vacant Homes! 30 Days Home In No Un-OK or Less Un- OK Good Condition Ok Repaired Damage Insured Prior Home BuildersOK For Sale OK Closed Claims Ok Risk http://www.vacanthomeinsuranceagent.com/
  2. 2. Pricing Based On Home Value & Construction Type Coverage Credit &Claim History Price Options & Deductible Fire Code Zones - Hydrant Location http://www.vacanthomeinsuranceagent.com/
  3. 3. Base Coverage DP-1 Fire Lightning Catastrophic GroundInternal Explosion Cover Collapse http://www.vacanthomeinsuranceagent.com/
  4. 4. Extended CoverageExtended Protection • Windstorm • Hail • Explosion • Riot or Civil Commotion • Aircraft • Vehicles • Smoke (excluding smoke from fireplaces, agricultural smudging or industrial operations) • Volcanic Eruption(can be added) Vandalism or Malicious Mischief • excludes damage to building glass, crime losses (except building damage caused by burglars) http://www.vacanthomeinsuranceagent.com/
  5. 5. Payments• Payment can be made via – Lien holder – Mortgage Company – Invoiced after down-payment is recieved http://www.vacanthomeinsuranceagent.com/
  6. 6. 3 Month, 6 Month and 12 Month PoliciesMonth Month Month Month Month Month Month Month Month Month Month Month 1 2 3 1 2 3 1 2 3 1 2 3Month Month Month Month Month Month Month Month Month Month Month Month 1 2 3 4 5 6 1 2 3 4 5 6Month Month Month Month Month Month Month Month Month Month Month Month 1 2 3 4 5 6 7 8 9 10 11 12 http://www.vacanthomeinsuranceagent.com/
  7. 7. Minimum Earned Premium• Some Policies in Some States have a Minimum Earned Premium.• If a State’s minimum earned premium is $200.00 AND IF a Three (3) Month Policy premium is $300.00, A policy canceled in month 1 would be eligible for a refund of $100.00. Why? Because the min. earned premium was $200.00.Month Month Month Month Month Month Month Month Month Month Month Month 1 2 3 1 2 3 1 2 3 1 2 3 http://www.vacanthomeinsuranceagent.com/
  8. 8. Minimum Earned Premium• If a State’s minimum earned premium is $200.00 & a Six (6) Month Policy premium is $600.00, the policy canceled in months 3, 4, 5, and 6 would be eligible for a refund for any un-earned premium.• Careful- if the policy needs renewal for only 1 month, the minimum earned premium would still be earned.Month Month Month Month Month Month Month Month Month Month Month Month 1 2 3 4 5 6 1 2 3 4 5 6 http://www.vacanthomeinsuranceagent.com/
  9. 9. Minimum Earned Premium• If a State’s minimum earned premium is $200.00 & a Twelve (12) Month Policy premium is $1,200.00, the policy canceled in months 3-12 would be eligible for a refund for any day’s un-earned premium.• 12 month policy is best paid for by 2 months down payment, and monthly EFT paymentsMonth Month Month Month Month Month Month Month Month Month Month Month 1 2 3 4 5 6 7 8 9 10 11 12 http://www.vacanthomeinsuranceagent.com/
  10. 10. Purchase Process • Call 1-855-5Vacant or Submit Online App • Get a Quote Quote • Make a Payment • Sign and Return ApplicationPurchase • Proof of Insurance Sent To Mortgage Company and Insured • Inspection Drive-by & Walk AroundMaintain • Resolve Inspection issues if any http://www.vacanthomeinsuranceagent.com/
  11. 11. Customer Service• Changes or Questions about your policy? – Call 1-855-5Vacant• Renewals – Pay the next payment and the policy automatically renews• Claims – Call 1-855-5Vacant• Cancel Policy – Send a signed fax with Policy Number, Your Name and Address, and a request to cancel effective on the date of your choice, with a reason (example: sold house) http://www.vacanthomeinsuranceagent.com/
  12. 12. Why 1-855-5Vacant?• We Set Expectations!• We Inform• We work hard at Eliminating Surprises! http://www.vacanthomeinsuranceagent.com/
  13. 13. Purchase Process • Start the Process Today! • Call 1-855-5Vacant Start! • Online App: http://www.vacanthomeinsuranceagent.com/app • Get a Quote Quote • Make a Payment • Sign and Return ApplicationNo Hassel http://www.vacanthomeinsuranceagent.com/

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