What type of insurance coverage may be difficult to obtain if the ward's residence is vacant?

Liability insurance is typically tied to the presence of occupants in a residence. When a property is vacant, it poses various risks and potential liabilities that are not present when it is occupied. Insurers may perceive vacant properties as having increased exposure to theft, vandalism, or other hazardous situations, which can lead to higher claims costs. As such, insurance companies might either refuse to issue liability insurance for vacant properties or impose stricter conditions or higher premiums. This makes it more challenging to secure coverage, as the risks associated with a vacant home differ significantly from those where a resident is present.

In contrast, health insurance and life insurance are personal coverages tied to the individual, not their residence status. Homeowners insurance can sometimes be adjusted to include vacancy coverage, but it generally remains available under certain conditions. Therefore, liability insurance is notably difficult to obtain when a ward’s residence is vacant due to the associated risks that lack of occupancy presents.