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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?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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!”View full answer
- Gregory R.
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