Vacancy Insurance

Our old house is STILL on the market. Well because of changing my wife's auto insurance to mine, her agent found out that her house is now 'Vacant'. Vacant meaning, no furniture in the house. Typical home owners insurance is only for 'occupied' houses. Now that my wife's house was vacant they canceled the policy. That's a problem. No insurance means the mortgage company will foreclose. I talked to my agent (Nationwide) and a bunch of others and scoured the net for someone that would insure a vacant house. I couldn't find anyone that had vacancy insurance. It's pretty ridiculous because the house is in a nice neighborhood, well kept, and shouldn't be vacant for long. In desperation I contacted the Ohio Insurance Institute and they directed me to Associated Insurance Agencies. I was worked with Tim Bowers and he set me up on a Vacant Policy written through Miami Mutual of Troy, Ohio. Not cheap about $400 a quarter, but still cheaper than foreclosure.

Rocks for the ages

A good friend of my mother (Gerry Krabil) retired from the rock business. He salvages old barns and bridges for their stones and then carves decorative planters and birdbaths. Nice stuff. Unfortunalty he hurt is shoulder and can't work with the large and heavy stones. Tom Roig, Owner, Landscape Contractor. T & B Landscapes was nice enough to haul them to our house and install them. We enjoy sitting on them for Beggars Night and pass out candy.