House Insurance Question

[Vicki Gleitz]

My son will be closing on the 15th, if not sooner.  He will be staying with us during the week and we will all be going to Pueblo to work on the house on the week-ends.  We figured this might take 3 months before it is in rentable condition. 

So, he is going to buy regular homeowners insurance to start. My understanding is that if a house is not lived in for over a month that damage done by vandalism is not covered. Unfortunately, there is a problem with vandalism here. 

If we are staying there every weekend will the insurance company considered that living there or not?  He cannot stay in the house during the week because he has a job in Denver. Plus, it will be 3 months before it is rentable. What should he do?

[Art Frasik]

These are questions that you need to ask your insurance broker. 

Do not dilute your mind with delusions that are contrary to your insurance policy. 

If need be, modify your insurance.