If no one is living in the house, Kings Mutual requires someone (a family member or acquaintance) to regularly do a walk-through or check the property. We require the name and phone number of this person so we can contact them in the event of a claim reported on your property.

The policy wording states that loss by freezing is excluded unless it happens within a dwelling heated during the usual heating season and you have not been away from your premises for more than four (4) consecutive days. However, if you had arranged for a competent person to enter your dwelling daily to ensure that heating was being maintained or if you had shut off the water supply and had drained all the pipes and appliances you would still be insured.

Kings Mutual has many customers who are snowbirds or take extended vacations. We ask for the term that you will be away and we will endorse your property policy with an unoccupancy permit.

It is understood and agreed that the building or buildings described on the Declaration Page may remain unoccupied for the specified term.

Conditions of this agreement are that all usual furnishings and contents shall remain in the insured buildings. It is further understood and agreed that the building or buildings shall be under the supervision and care of some competent person during the term of unoccupancy. Please refer to your policy wording for conditions that apply while you are away from your home during the usual heating season.

All other terms and conditions of this policy remain unchanged.