The Vacant or Unoccupied Property*

Vacant Property

If you are presented with a vacant property issue for your property, you must be aware of this important exclusion if you are to have valid property coverage.  If your property becomes vacant, that is, it does not have most of the furishings or other items needed for human occupancy for thirty days or more, your property coverage will be made void according to the provision in almost all dwelling policies. It may be possible to add a rider for coverage to override this exclusion if you notify our office timely.

Unoccupied Property

If you are presented with a unoccupied property issue for your property, you must be aware of this important exclusion if you are to have valid property coverage. If your property which is used as a dwelling should become unoccupied, that is, it has no permanent human resident even if furnished, for thirty days or more, your property coverage will be made void asaccording to the provision in almost all dwelling policies.  It may be possible to add a rider for coverage to override this excludion if you notify our office timely.

Exceptions to the vacant or unoccupied provisions

Most policies provide the following exceptions as property not being vacant or unoccipied:  when the human resident is away on vacation, has a hospital stay, a military assignment, the property is seasonal or a secondary property, or the property is being constructed or remodeled. In the case of these exceptions, your coverage will continue as valid.  We suggest if you are presented with a vacant or unoccupied property issue that you contact us for a review of the matter so that we can work with you to provide the necessary coverage. It may be possible to add a rider for coverage to override the exclusions as well.

A timely notification to our office of your issue should yield the right solution for you.  

* Please be reminded this is not a policy nor may this be the case with your specific policy.  A review of your specific policy with your agent would be needed to review what your policy states concerning the property that is vacant or unoccupied.  The above is the general understanding of these issues, but they may vary from state to state and policy to policy. Please refer therefore, to your specific policy for its exclusions, limitations, and benefits.