Planner is right - if that was ever a scam, it was hard to do. No insurance is possible on unoccupied home. Can maybe get "construction insurance if can prove house is being rehabbed - but it is hard, expensive and paid up front.

You can also be holding a lot of insurance - someone mentioned a half-million insured, but getting that much money if your house burns and is assessed at $50,000 and comparables are at $35,000 will be very, very hard. You will fight for years.