Vacancy
or
Unoccupancy
Vacancy: No occupant, no
furnishings
Unoccupancy: No occupant
Homeowners Insurance and Dwelling Fire Insurance coverages are affected
by vacancy or unoccupancy, in accordance with policy terms and
Massachusetts law. These restrictions include:
- Fire or lightning damage is not covered after sixty days of
vacancy.
- Frozen plumbing or heating system or appliances are not covered
unless heat is maintained in the building or the water is shut off and
the system and the appliances are drained.
- Vandalism or broken glass is not covered after sixty days of
vacancy.
Unfortunately, it is not within our authority to change these policy
conditions. Vacant or Unoccupied houses are generally not eligible for
coverage in
the Massachusetts Property Underwriting Association (FAIR Plan).
We can, however, help you obtain coverage through a "Surplus Lines"
company.
Other situations often requiring "Surplus Lines" coverage:
- Homes for Sale due to relocation