I would call your insurance agent. If you need a new reference for an insurance agent then call Bender insurance. Nancy Bender does a great job and can help you. You should be able to explain and get a policy for vacant home. Many people purchase a home and then do work prior to moving in so you are not the only one.
I had a smilar problem with a home I owned and I solved it by talking with my agent on what I could do to get it fixed. Ideally you don't want to have your insurance canceled. They usually send you notices and give you a heads up prior to cancelation.
Many foreclosures will only show one picture. However it is the rules of MLS say that all agents are responsible to submit a minimum of 1 picture within 48 hrs of putting a property on the market. If you see a sold home with no picture it may have been sold back when pictures were not required.
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