What conditions apply to an insured regarding unoccupied rental units under Coverage D?

Claims can be made for loss of rents regardless of occupancy under Coverage D, which provides protection for loss of rental income due to various perils outlined in a property insurance policy. This coverage typically applies to rental properties that sustain damage, leading to a loss of rental income.

The provision means that even if a unit is unoccupied at the time of the loss, the insured can still file a claim for lost rental income. This recognizes that rental properties may be susceptible to damage even when they are not currently tenant-occupied, and it ensures that property owners are not unfairly penalized for situations where rental income is interrupted due to unforeseen circumstances, such as fire or weather damage.

In contrast, options that imply that claims can only be made for occupied units or that no claims can be allowed at all fail to recognize the flexibility and protection provided under Coverage D. Additionally, the idea that loss of rents can only be claimed if tenants were previously in the unit restricts the policy's intent to cover loss of income, regardless of current occupancy status.