California E&S Insurance

Home insurance cancellation due to being staged for sale? My mom is moving from her home in California to an assisted living facility. We have staged the home for sale. State Farm just sent a letter saying they are cancelling the insurance policy due to "change in occupancy", and their underwriting department says it can't be insured unless she moves back in. This seems super atypical to me. Our real estate agents have never heard of such a thing happening. We need the home to stay insured until it is sold and the sale closes. Has anyone run into this before? How did you navigate it? Edit: ok, I get the situation around occupied vs vacant house, in terms of the type of policy, and cost/risk as seen by the insurer. Makes sense. So how do people typically navigate this when staging a home for sale? I can't imagine getting into this particular situation is the typical route. Is there some step we missed, such as changing to a different policy type (e.g. vacant house policy) at the point we staged the home? Is that what people typically do here? Edit 2: So it seems like yeah, we missed a step - getting a vacant home policy appears to be the thing people are meant to do in this situation.

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