Home owners and property owners policy?

No, you do not have a case. In the insurance world, vacant means no one LIVES in the home. It means unoccupied. Vacancy has absolutely nothing to do with furnishings or utilities. There is a requirement that when a home is vacant, a vacancy endorsement must be added in order to provide coverage. You must give the insurance company the information in order for them to properly evaluate the risk . Always keep your insurance company informed and never assume anything.

I think you don't understand what vacant means, in insurance terms. It means, no one is living there. Usually, they use "vacant or unoccupied", which it was, as no one was living there. You can't play games and say, "oh, I'm turning utilities on and leaving furniture in there, so it's not vacant any more." That doesn't work.

However, vacancy doesn't void FIRE coverage. So something ELSE is going on. I"m betting either YOU aren't the titled owner of the house, the policy was not in force on that location, or they're suspecting you of arson.

You did "do it yourself" insurance and tried to outsmart the insurance company. It came back and bit you in the @ss. Your anger is misplaced.

You may need legal assistance in presenting your appeal through the State Dept of Insurance. This should not require a law suit. Your biggest problem is that ignorance(not understanding your policy) is no excuse and you will have to prove that the house was not vacant. Good Luck

No.

Insurance company is right.

"Homeowner's insurance" is insurance for a home where the owner actually lives. Not "watches over". Not has furniture and utilities. Lives. Resides. Sleeps each night. If you weren't living there, then it's not covered by homeowner's insurance.

Contact the Department of Insurance in your state for help.