What type of property is specifically excluded in most dwelling policies?

In most dwelling policies, vacant properties are specifically excluded because they present unique risks and challenges not typically covered in standard policies. When a property is vacant, it may be more vulnerable to issues such as vandalism, theft, and damage from weather-related incidents, which can lead to greater insurance claims. Insurance companies often view vacant properties as higher risk since there is no regular maintenance or occupancy to deter damage, resulting in exclusions to protect the insurer from potential significant losses. That’s why dwelling policies include specific terms about vacancy, often excluding coverage for properties that are not occupied for an extended period.

In contrast, owner-occupied homes, rental properties, and seasonal homes generally have coverage options available through dwelling policies, as these scenarios present different risk profiles that insurers are willing to cover under certain terms.