Vacant property insurance coverage and fast quotes

Vacant Property Insurance – Vacant Building Insurance Coverage & Quotes.

At any time thieves, vandals, and even homeless people often target vacant homes and vacant commercial properties. If you’re like most responsible property owners, you want to protect your investment until the property is sold or occupied. The main purpose of coverage for a Vacant Dwelling or Vacant Building is to protect you against losses you cannot afford to sustain. Do you have the financial resources to rebuild or repair your home or building if it is damaged? Vacant building insurance can help protect your real estate investment.

Vacant Property Insurance Coverage – Free Quotes.

Use the quick form below for AL,AR,DE,FL,GA,IA,IN,KS,KY,ME,MO,MS,NC,NE,NJ,OH,PA,SC,TN or VA or call now (844) 863-6154.


Did you know that your regular homeowners insurance may be cancelled if your home is unoccupied for 60-90 days? If your property is going to be vacant, it’s important to have vacant building insurance lined up. It can help you cover:

  • Vacant homes and dwellings
  • Vacant commercial properties
  • Unfinished or delayed construction projects
  • Foreclosed or bank-owned properties
  • Vacant land

How Much Does Vacant Building Insurance Policy Cost?

When insuring a vacant property you need to understand that a vacant dwelling has a lot of risk associated with it. A vacant building is a nuisance that is sometimes used by mischievous kids, by the homeless for shelter and by other people for various reasons. Additionally, a vacant property doesn’t have someone there to keep an eye on the premises. For these reasons, insurance companies typically charge more for vacant building insurance than they would for a standard homeowners policy which is used when a house is occupied.

How much more does it cost? It can cost anywhere from 1.5 to 3 times the amount than a regular homeowners policy would cost. As insurance experts, we believe that because someone does not occupy the residence to witness a loss it is that much more important to have this policy in effect. The cost is typically only a fraction of the value of the home and you stand to lose much more if the property is not insured properly.

Vacant Property Insurance

Vacant Building Insurance
This insurance coverage protects the building structure itself. This coverage limit should be the cost to replace the building. We are more than happy to assist you in determining the Replacement Cost Value of your vacant property. Our Skilled Agents and representatives have several tools that allow us to accurately determine the cost to replace your property structure.

Damage to your vacant dwelling or building may be caused by:

  • Fires or explosions
  • Lightning
  • Copper theft
  • Windstorm or Hail
  • Smoke
  • Aircraft or Vehicles
  • Sprinkler Leakage
  • Riot or Civil Commotion
  • Sinkhole Collapse
  • Volcanic Action
  • Vandalism
  • Malicious Mischief


Other Structures Insurance Coverage
This optional insurance coverage protects other structures on the property. This may include gazebos, pools, decks, sheds, detached garages, fences swing sets and playground installations.

General Liability Insurance
This optional insurance protects the owner of the property against lawsuits arising out of injury that is sustained on the property, or even damage to the property of others that arise on your property.

The growing number of vacant commercial buildings and dwellings is creating risk-related challenges for property owners, investors and developers. Whether a property is vacant for one day or two years or more, the risks increase and so does the potential for expensive litigation and losses.

Get a free express insurance quote for Vacant Personal or Vacant Commercial Buildings.


When you need vacant property insurance contact us and we’ll help you find affordable coverage and get the best rates available for the lowest cost to you.

Commercial Property Target Classes

• Commercial & Residential Roofing & Waterproofing Contractor
• Commercial & Residential Underground Contractor
• Commercial & Residential Remodeling Contractor
• Concrete Contractor
• Framing & Drywall Contractor
• General Contractor
• Hardscape Contractor, Walkways, Curbs/Gutters
• HVAC Mechanical Contractor
• Rebar Placement & Reinforcing Steel Installation Contractor

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