What condition would likely disqualify a claim based on "vacancy" in insurance policies?

In insurance policies, a property is often considered "vacant" if it has been unoccupied for an extended period, typically exceeding 30 days. This is significant because many insurance policies include specific exclusions or limitations on coverage for vacant properties. These limitations are based on the increased risk associated with vacant homes, such as higher chances of vandalism, theft, or unnoticed damage, which can result in greater claims costs.

When a property falls into this "vacancy" category by being unoccupied for more than the stipulated number of days, it is likely to disqualify any claim made under the policy related to that property. Thus, the situation described aligns with standard underwriting criteria concerning vacancy.

For clarity regarding the other scenarios: a property under renovation might still be considered occupied if workers are regularly present, while part-time occupation indicates some level of use that likely keeps the coverage intact. A tenant-owned property does not automatically constitute a vacancy unless it is truly unoccupied by the tenant, as tenants typically have ongoing rights and responsibilities regarding the property.