There are a few things you should think about when shopping for cheap homeowners insurance in Connecticut. You expect to spend a lot of time in your home once you've bought it. But if you are in the military, you know that you could be sent out of the country for a long time. What happens to your homeowner's insurance if you are out of the country?
In general, insurance companies don't like to cover homes that aren't lived in. For an insurance company, "vacant" means that there are no people or furniture in the house. Unoccupied means there are no people living there, but the furniture is still there. Most policies have a "vacancy clause" because insurance companies don't want to cover empty or unoccupied homes.
If you are in the military and are likely to be away from your home for a long time, your home insurance policy may not cover you after 60 days. It's very important to talk to your insurance agent about this first. Some companies offer endorsements that will let you leave your home unoccupied for longer than the normal 60 days.
Your things are also covered by homeowner's insurance (personal property). Most of the time, the coverage includes your personal belongings that you bring with you when you travel. But most policies, if not all, have something called a "war exclusion." This means that they won't cover damage to your property that is caused directly or indirectly by war. That means that your personal belongings may not be covered while you are deployed.
Possible solutions could be as simple as having someone watch your house while you're away or talking to your chain of command about this risk. These are very real risks that you should talk to your insurance agent about. Your agent has almost certainly been in this situation before, and he or she may be able to offer a good solution.
