standalone personal liability?

[trixie11]

I am the co-owner of a house that we are trying to get rid of. It is not insured. Up until this time, we've been here to coordinate, oversee and control any people who come onto the property. However now that we are ready to vacate it, have it empty, and are ready to turn it over to a realtor - we need to have some sort of liability coverage. How would one go about doing this for a temporary basis or for this unique situation?

[mathjak107]

look into landlord insurance

[oneasterisk]

Why not get it insured and then cancel once it sells? Insurance will refund prorated premium after you cancel.

[COcheesehead]

Do you have an existing umbrella policy? That may cover you.

[mathjak107]

Originally Posted by COcheesehead

Do you have an existing umbrella policy? That may cover you.

liability won’t cover the structure. if only covers non intentional acts by the insured that get them sued

[COcheesehead]

Originally Posted by mathjak107

liability won’t cover the structure. if only covers non intentional acts by the insured that get them sued

The OP asked for liability coverage.

[mathjak107]

I doubt he means liability. He needs an actual policy

By itself you can’t have just an umbrella

[ChessieMom]

Originally Posted by oneasterisk

Why not get it insured and then cancel once it sells? Insurance will refund prorated premium after you cancel.

^^ That.

[mathjak107]

Don’t use homeowners though Use landlord insurance

[oneasterisk]

Originally Posted by mathjak107

Don’t use homeowners though Use landlord insurance

I agree as if it's empty it'll be cheaper to insure as landlord since you didn't have you cover replacement costs of stuff.