Vacancy or Unoccupancy


Vacancy: No occupant, no furnishings

Unoccupancy: No occupant, but home is furnished and habitable

Homeowners Insurance and Dwelling Fire Insurance coverages are affected by vacancy or unoccupancy, in accordance with policy terms and Massachusetts law. These restrictions include:


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: