Can the insurance company cancel my coverage while I'm renovating?

I want to do some renovations to my home, but I just got notice from my insurance company that they're canceling my coverage during the process. I'll be living elsewhere during the renovations, but I'm not sure why they're canceling the policy. Can they do this?

Answer
“Yes, home insurance companies can cancel your coverage if you’re doing renovations, but don’t stress. This is a fairly common occurrence.
The reason they’re canceling your coverage is that you’re not an occupant. This means that you need to change over to a vacant or unoccupied home policy, which is a type of high-risk policy.
You might be able to switch to this policy by contacting your home insurance company, and they’ll often offer discounts if you pair it with car insurance. If they won’t do it or if the premium goes up dramatically, shop around to find a better rate.
If you want help shopping for home insurance, use Jerry. Jerry can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls and even cancels your old policy on your behalf—oh, and it’s free!”
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Eric Schad
Answered on Aug 13, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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