A lot of insurance companies/policies won't insure a home if it is vacant or unoccupied. You should consult your insurance policy and endorsements to see if this exclusion applies in this event. But in general, this language often frequents insurance policies. Insurance companies view vacant or unoccupied homes as an increased risk for break-ins, vandalism, etc. so they often do not insure them. I recommend reviewing your policy and discussing this with your agent to see what your best options are.
NOTE: This response is general in nature and should not be considered legal advice. No attorney-client relationship exists or is formed.
Answered on Nov 10th, 2014 at 1:06 PM