Yes, a claim can be submitted if a renter is occupying a unit, but you should cancel your policy first because only one claim can be filed under each policy.
In some cases, you’ll need to submit a claim when the renter is occupying the unit because you only have 120 days to file a claim after the policy ends or is canceled. Even if the renter is still occupying the unit, you’ll need to inspect the unit within 14 calendar days from the end of the coverage period.
Coverage is subject to policy terms, limitations, conditions, and exclusions. Descriptions of coverage are for informational purposes only and do not alter any insurance policy or guarantee any specific price, quote or coverage. For a complete understanding of the coverage available, please review the terms, conditions, definitions, and exclusions of your Rental Protection insurance policy.