won't Insure Unoccupied HouseJan 08 2013
I have had homeowners policy since purchasing my house. I had moved from this house to another property a few miles away. I received a call from the insurance agent a few months ago telling me that State Farm does not cover homes that are not occupied by the homeowner. I told them that I was planning to move back into the house in the near future. They said I would need to prove that I was living there by 12/13/12 or my policy would be cancelled. I moved into the house in the first week of November. They wanted an electric bill showing that my electric usage was increased to prove that I occupied the home. I brought this to the office. Then they said that they really needed 2 months bills, so I took them one that showed 2 months of increased electric usage. Then they said that the underwriters would not re-instate my coverage because my homestead exemption was still on the other house. Meanwhile they cancelled by coverage and notified my mortgage company, so that I now have no homeowner's insurance.