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.