K
KJK
Guest
I am presently selling my home and relocating to another IL town (with more opportunities and family connections) due to downsizing. I stay at my sister's home during the week to be better available for job interviews, networking opportunities, etc. (rather than commuting 71 miles one way to avail myself of such opportunities).
My home (fully insured, with all utilities hooked up & functioning, taxes paid) is visited twice daily by my non-resident father, who comes over & checks on all of the utilities, security of the premises, contents, etc. (Mind you: this is far more attention than my home received when I was employed and travelling ca. 90% of the time on business!).
I visit the home every other weekend (unemployment and rising gas prices make it difficult to make the trip more often) in order to clean (for the prospective buyers), check on the infrastructure (pick up the lawn, etc.) and to sort through my things in preparation for moving when the home does sell.
My insurance agent caught wind of this (due to my change of address to a p. o. box in this town- for my convenience in picking up mail rather than having it held locally, or having to collect it every 14 days), and now wants to discuss my change of address in light of changing the terms of my policy. They have both my auto and homeowners insurance under their wing/in their clutches....for now.....
What ramifications does the aforementioned situation bear on my insurance? I would sincerely appreciate some assistance on this, and would be grateful if you would kindly let me know what my rights/options, etc are in this situation.
Background Information:
Though I initially selected this particular agency due to excellent prior experience with the insurance product (insured by this insurance company, different agency in another state), I have found this particular agency most wearisome. It is almost always a fight to get them to do ANYTHING on my behalf, and they are unwilling to assist me in things that are clearly part & parcel of their 'part of the deal'. I never get the sense that they are working at all on my behalf.
(For instance: they were virtually useless in assisting me when my bicycle was stolen from my garage (despite police documented evidence) and were so whiny and annoying that I just didn't bother filing a claim.
Later the next year: they were highly resistant to assisting me when a car HIT MY HOUSE (which was NOT out 'playing in traffic'!) - they whined so much in trying to discourage me against filing a claim (which I knew darned well that they'd recover through subrogation) that I basically had to ask them (VERY NICELY, without the exasperation I'm exhibiting here): with WHAT EXACTLY sort of situation would they be willing to help me? In short: I can't think of a better reason to file an insurance claim than when someone and their car HITS YOUR HOUSE......THIS is WHY people have insurance, and NO: I DON'T want to do the work I'm hiring them to do with my payment of premium!)
Thanks again for your kind consideration!
My home (fully insured, with all utilities hooked up & functioning, taxes paid) is visited twice daily by my non-resident father, who comes over & checks on all of the utilities, security of the premises, contents, etc. (Mind you: this is far more attention than my home received when I was employed and travelling ca. 90% of the time on business!).
I visit the home every other weekend (unemployment and rising gas prices make it difficult to make the trip more often) in order to clean (for the prospective buyers), check on the infrastructure (pick up the lawn, etc.) and to sort through my things in preparation for moving when the home does sell.
My insurance agent caught wind of this (due to my change of address to a p. o. box in this town- for my convenience in picking up mail rather than having it held locally, or having to collect it every 14 days), and now wants to discuss my change of address in light of changing the terms of my policy. They have both my auto and homeowners insurance under their wing/in their clutches....for now.....
What ramifications does the aforementioned situation bear on my insurance? I would sincerely appreciate some assistance on this, and would be grateful if you would kindly let me know what my rights/options, etc are in this situation.
Background Information:
Though I initially selected this particular agency due to excellent prior experience with the insurance product (insured by this insurance company, different agency in another state), I have found this particular agency most wearisome. It is almost always a fight to get them to do ANYTHING on my behalf, and they are unwilling to assist me in things that are clearly part & parcel of their 'part of the deal'. I never get the sense that they are working at all on my behalf.
(For instance: they were virtually useless in assisting me when my bicycle was stolen from my garage (despite police documented evidence) and were so whiny and annoying that I just didn't bother filing a claim.
Later the next year: they were highly resistant to assisting me when a car HIT MY HOUSE (which was NOT out 'playing in traffic'!) - they whined so much in trying to discourage me against filing a claim (which I knew darned well that they'd recover through subrogation) that I basically had to ask them (VERY NICELY, without the exasperation I'm exhibiting here): with WHAT EXACTLY sort of situation would they be willing to help me? In short: I can't think of a better reason to file an insurance claim than when someone and their car HITS YOUR HOUSE......THIS is WHY people have insurance, and NO: I DON'T want to do the work I'm hiring them to do with my payment of premium!)
Thanks again for your kind consideration!