Last year my mother passed away leaving me the family house.I had gifted or liquidated most of the possessions the old house had guarded. Now the home was for sale. Empty. My mothers insurance (State Farm) refused to continue to insure a vacant house. So I turned to my old partner USAA. Although not risk they really wanted, the underwriter understood I was left with an asset that I needed to protect until the market was better for sale. The home sold 5 months later and USAA Home insurance help me cover my risk. Thank you USAA.