It is because when no one is there, small problems become big ones. Imagine a one story ranch has a pipe leaking under the sink in the bathroom. In an occupied home, the owner would notice it in a short time and take action. In a vacant home, the water would continue to drip for who knows how long before it was noticed. The damage would probably be massive. Water, fire, smoke, or vandalism can happen because there isn't any one to stop it or prevent it from getting worse. There are companies that specialize in vacant, rehabed, and investment property homes but not every agent has access to them. Visit this site at http://www.getgliga.com
for some agents who represent multiple companies for just the kind of insurance you need.