Not lived in and void of furnishings.

A building that does not have any contents or inhabitants.

Once defined as devoid of occupants or contents, a stricter definition is being applied as more and more communities find older buildings of three and four stories that are only one quarter occupied. Property policies impose limitations on coverage of vacant buildings so the (changing) definition of vacant property is quite important. A single dwelling may be considered vacant when there is insufficient furniture and appliances to make the property habitable.

An all risk coverage for physical loss or damage to valuable papers and records of the insured. It includes practically all types of printed documents or records except money.

Coverage that protects the important papers and records belonging to the insured against all risks.

Provides all risk coverage on valuable papers, such as written, printed, or otherwise inscribed documents and records, including books, maps, films, drawings, abstracts, deeds, mortgages, and manuscripts. It covers the cost of research to reconstruct damaged records, as well as the cost of new paper and transcription.