Do I need an occupancy permit to get homeowners insurance?
I'm in the process of renovating my new home while I live in a rental. The insurance company wants to inspect the property before offering me insurance. Do I need an occupancy permit to get the insurance?
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Yes, you’ll need an occupancy permit to get homeowner’s insurance.
If you can’t get an occupancy permit, you may need a specialty insurance product known as vacant or unoccupied homeowner’s insurance.
Vacant/unoccupied insurance can be pricey because vacant homes are considered higher-risk. They’re more prone to break-ins, and if a fire were to happen, it would take longer for someone to notice.
If possible, you might want to delay the inspection until you’re done with your renovations. Doing so should help you get the occupancy permit, secure
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