Theft and Vacancy Exclusions Not Applicable to Newly Renovated Dwelling

Q

Our client owns rental property (a home), covered by a special form dwelling policy. The insured told us he was going to do some major renovations, during which time the building would be uninhabited. We indicated to him that he should contact us when the remodeling was near completion and a tenant had been lined up to take occupancy so that we could then insure the property under the special dwelling form.

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