Insurance Co Adding Exclusions for more than 60 days no Occupancy

Fri, 23 Feb 2024 15:06:20 GMT

Just received our renewed cabin insurance policy from Great Lakes and there is a new exclusion that has been added to the policy that states, “We do not insure for any loss incurred while the described dwelling, whether it is intended for occupancy or not, is unoccupied for more than 60 consecutive days.” Having someone check on the house will, apparently, reset the 60 day clock, according to our insurance agent that checked with the carrier - waiting for clarification as to whether a drive by is sufficient or someone needs to actually enter the cabin as well as find out how exactly I need to document all of this in order to prove it to the insurance company in case there were any issues.

Also now excluding any damages etc. from fungus, spores, mold, dry rot, wet rot, rust, mildew, mushroom, toadstool, smut

And ours also now excludes a whole littany of different dog breeds (not unusual I know but this was added in for this year).

I sent a quote request to the NFH insurance company and never heard back.