Selling your home can be a stressful process, especially when it doesn't move quickly.  WIth a new job looming, you may have no choice but to leave the home vacant until it sells.

The problem?  Vacant homes fall under different insurance rules and can leave you at risk.  Here are a few things you need to know before leaving town:

A vacant home is determined when there is not enough furniture inside for a reasonable person to live.  It can also apply if all the utilities have been shut off.  If a home is vacant, the insurance company can deny a claim or cancel the policy altogether (the rules vary by company).

I often get phone calls from clients who are looking to save a few dollars on their insurance.  They look at various coverages on their policy and want to drop anything that isn't totally necessary... and rental coverage (aka rental reimbursement, substitute transportation) is one I hear about frequently.

So, do you really need it?