Vacant Land Liability Coverage

August 4, 2010

Our insured has a Homeowners HO0003 policy. The insured has vacant land that he owned that was not listed as a primary residence or "other residence" on his policy. A tree fell from this vacant land causing property damage to the owner of the adjacent property. Would there be liability coverage for this loss?

Massachusetts Subscriber

Vacant land doesn't have to be listed on the homeowner's policy. It is considered part of the "insured location" by definition as long as it is not farmland and is owned by the insured. Coverage up to policy limits would apply under personal liability if the insured was found legally liable for the loss, or coverage under damage of property to others would apply for the limit of $1000.