advice on how to deal with 2nd home

Could you please share some of your thoughts on what the best that we can do in the following situation? Than k you very much in advance!

We have placed our second home on market for a while and have not sold it yet. Our insurance company (state farm) is going to drop our insurance on this home this august. Both of our homes are located in the same city. We took away almost all the furniture when we moved to the new house except for a recliner and kitchen appliances. We make visits almost every day: eating lunches and take a nap before heading back to work. We currently have water and electricity connected and a service maintaining the yard.

Do you think any one of the following options will work better for us?

Option 1. Do you think that we have a better chance of resuming the current insurance policy if we stage the 2nd home with basic furniture and stay there 1-2 per week, while appealing with all the facts above?

Option 2. Should we consider renting it out before getting it sold and then change our policy to landlord policy? If so, should we rent it through the local rental company or by our own?

Option 3. Should we do nothing else but update our policy to vacant home insurance policy? We currently live in Georgia. To your acknowledgement, will this vacant home insurance policy be good enough to protect our property?

We are sorry for such a long posting. We desperately need some of your inputs. Thanks again.

所有跟帖： 

• 最容易的，就是把它卖出去。这年头只要你肯减价，没有卖不出去的房子。 -欢腾的小凉河- ♀ (0 bytes) () 06/12/2011 postreply 08:28:07

• 回复：最容易的，就是把它卖出去。这年头只要你肯减价，没有卖不出去的房子。 -RoadBlind- ♀ (334 bytes) () 06/12/2011 postreply 08:39:03

• 这样的房子出租不能赚大钱，但是很安全，麻烦少。经纪人代管一切，而且制度严格 -羊炖山药- ♀ (47 bytes) () 06/12/2011 postreply 08:44:14

• 我这里好多人家买了新房，都留了旧房出租 - 不一定是好办法，但供参考 -羊炖山药- ♀ (273 bytes) () 06/12/2011 postreply 08:38:55

• 回复：我这里好多人家买了新房，都留了旧房出租 - 不一定是好办法，但供参考 -RoadBlind- ♀ (20759 bytes) () 06/12/2011 postreply 08:49:53

• 如果离得近，可以自己做广告，自己管理，可以省下大概8%的管理费用，但是要担点风险 -敢言- ♂ (0 bytes) () 06/12/2011 postreply 08:57:19

• 回复：如果离得近，可以自己做广告，自己管理，可以省下大概8%的管理费用，但是要担点风险 -RoadBlind- ♀ (289 bytes) () 06/12/2011 postreply 09:06:39

• 我自己有执照，但是还是找了经纪人，人家有特别渠道嘛 -羊炖山药- ♀ (315 bytes) () 06/12/2011 postreply 09:49:04

• 照理说，在现在房产不好的情况下，最好的办法是... -babyflower- ♀ (324 bytes) () 06/12/2011 postreply 10:59:05

• 这个是税收，算不上风险，属于已知参数。 -欢腾的小凉河- ♀ (0 bytes) () 06/12/2011 postreply 11:18:57

• 其实在房地产不好的今天，最好的办法不一定是留着出租。 -欢腾的小凉河- ♀ (363 bytes) () 06/12/2011 postreply 11:17:43