Vacant Property

Vacant Property Insurance provides coverage for homes or commercial buildings that are unoccupied for an extended period. Standard insurance policies often exclude or limit coverage for vacant properties due to the increased risk of vandalism, theft, fire, and other damages.

What Does Vacant Property Insurance Cover?

Property Damage:

• Fire, lightning, and storm damage
• Vandalism and theft
• Water damage (depending on policy terms)

Liability Protection:

• Covers injuries to trespassers or visitors
• Protects against lawsuits from accidents on the property

Additional Coverage Options:

• Glass breakage and structural collapse
• Burglary and malicious mischief
• Flood or earthquake coverage (if needed)

Who Needs Vacant Property Insurance?

• Homeowners selling a property that remains unoccupied
• Landlords with a gap between tenants
• Investors with vacant rental properties
• Businesses with temporarily closed or unused buildings
• Estates handling unoccupied homes

Vacant properties face unique risks—make sure yours is protected. Contact us today for a customized vacant property insurance quote!