Comments on: How do you obtain homeowners insurance if your new home won’t be your principal residence right away?

By: spot

spot — Sun, 26 Oct 2008 06:38:40 +0000

If you don’t live in your house, you can get a so called fire policy, which is required by a mortgage company. That is what I had when my house was on the market and vacant and that is what I have for my rental house. It is really inexpensive. I guess you really need to talk to a different agent in the same company or change the insurance company. He/she doesn’t sound bright.

By: ernie_fergler

ernie_fergler — Sat, 25 Oct 2008 04:19:02 +0000

It will be your principal residence even if you are not living in it at the time of renovations. Don’t deal with the morons at a call center. Find an agent in your local community:

By: natex14

natex14 — Thu, 23 Oct 2008 03:08:29 +0000

First, I would shop around for homeowners. I did something similar, but I didn’t have this issue, because I had my homeowners through GMAC, and my renters through State Farm. When I called State Farm to ask them about homeowners, it was way too expensive. If you shop around, I’m sure you will find some other good prices, and you can keep both homes as primary residences.

Insurance companies, will insure a home for you that isn’t your primary residence. Otherwise, how would people buy houses and rent them out. GMAC did ask me if this was going to be my primary residence, and told me if it wasn’t, that it would cost more money to insure it.

By: Crockett

Crockett — Mon, 20 Oct 2008 17:24:14 +0000

locate an agent on and get with a company that won’t jerk you around. Ask for the under construction endorsement on your policy.