Empty house may cost more to insure

Homebuyers are finding tougher guidelines and higher premiums from insurance carriers, and there certainly aren't any bargains for sellers who need to move or would simply like a change of scenery.

In a recent case, owners decided to sell a three-bedroom, three-bath primary residence and move into a nearby rental property they owned that better fit their needs. The primary residence, on a gorgeous acre with wonderful landscaping and a couple of ponds, demanded more time and maintenance than the owners had to give.

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