A property is considered vacant after 60 consecutive days without occupancy by a landlord or tenant. Once a property is identified as vacant, coverage for vandalism, malicious mischief, burglary, and the breakage of glass or safety glazing material is excluded under an HO-3 or HO-5 policy. Coverage for these specific perils is typically found under a specialized Vacant Building policy.
For vacant primary and secondary/seasonal homes under construction, agents can add the Under Construction Endorsement, which will remove the exclusion for theft of building materials or supplies until construction is completed.
For further assistance, contact us via our webform or Live Chat.