Margaret Nagy Hamilton

Trevor I suggest to do a life rate analysis to see if all your debt ratio /by your mortgage rate where it lends. I'll be happy to hop on a ZOOm call with my lender partner to show you truly where you at.

That is a fantastic and very common question! The short answer is yes, absolutely, you still need coverage, but your standard homeowners policy likely won't cut it once the house is empty. Insurance companies view vacant homes differently because unoccupied properties carry higher risks (like undetected water leaks, maintenance issues, or break-ins that can sit unnoticed). If a loss occurs and the carrier finds out the home has been vacant beyond their policy limit, typically 30 to 60 days they may deny the claim. Your Best Next Steps: Check with your current provider: Call your insurance agent and let them know the exact timeline of when you'll be moving out. Ask about a "Vacancy Permit" or Policy: Some standard carriers can add a vacancy endorsement to your existing policy, while others require you to switch to a dedicated vacant home insurance policy temporarily. Maintain utilities: Keep the utilities on (at a low, safe temperature) to prevent frozen pipes, especially important during Colorado winters. and to keep the home functional for showings. Protecting your asset while it's on the market is key to a smooth, stress-free sale Margaret