Unoccupied generally means no one is currently living there but the home is still furnished and ready for use, such as during a long trip. Vacant typically means the home is empty of people and belongings, which insurers often treat as the higher risk.
Related FAQs
Typically no. In California these perils are generally covered separately, so they would need to be arranged on their own.
Possibly, and a course of construction approach may also apply. The right fit depends on the scope of work and whether anyone is living there. We can help you ...
It varies by policy, but many standard homeowners forms begin restricting coverage after roughly 60 days of vacancy. Because the trigger differs, it is worth confirming your exact terms ...
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