Vacant Dwelling Insurance
Vacant Dwelling Insurance
Protection for Your Unoccupied Property.
Whether you’re in between tenants, renovating, or waiting to sell, leaving a property vacant can expose it to unique risks. Vacant Dwelling Insurance provides specialized coverage to protect your property when it’s unoccupied for an extended period.
What Does Vacant Dwelling Insurance Cover?
Our policies are designed to safeguard empty properties against unforeseen losses, typically including:
Property Protection – Coverage for damage caused by fire, vandalism, theft, or certain weather events.
Liability Coverage – Protects you if someone is injured on your vacant property.
Optional Contents Coverage – If the property contains furniture, appliances, or equipment, these can be insured.
Optional Add-Ons
- Sewer backup coverage
- Extended vandalism and theft protection
- Weather-related risk coverage (hail, wind, etc.)
- Earthquake protection
Who Needs Vacant Dwelling Insurance?
- Homeowners selling a property that is currently empty
- Landlords between tenants
- Property owners undergoing major renovations
- Executors managing an estate property
Why Choose Us?
Tailored policies for different vacancy scenarios
Flexible short-term and long-term coverage options
Competitive rates with comprehensive protection
