What typically happens to insurance coverage when a property remains unoccupied for an extended period?

When a property remains unoccupied for an extended period, insurance coverage may be limited or excluded due to the increased risks associated with unoccupied properties. Insurers often perceive unoccupied buildings as more susceptible to various risks, such as vandalism, theft, and damage from undetected leaks or other maintenance issues. Because of these heightened risks, many insurance policies include specific clauses that address unoccupied properties, which may alter the coverage terms.

For example, a standard homeowner's policy may provide a certain number of days during which the property can remain unoccupied before limitations apply. After that period, the insurer may reduce the coverage or exclude certain types of damages. This is a common practice in the insurance industry to mitigate risk and ensure that both the insurer and the insured are adequately protected. Properties that are unoccupied for long stretches might require specialized coverage options, such as vacant property insurance, which can provide tailored protections for empty homes or buildings.