Vacant Home Insurance Coverage

Owners of vacant homes who want to keep their premiums low can choose minimal insurance coverage to protect their property from major causes of loss, such as fire, wind or explosion. A named peril policy actually names the types of losses that will be covered in the policy, such as Fire and Extended Coverage. We also cover options such as Premises Liability and Vandalism.

Claims are generally settled on the Actual Cash Value settlement clause. Actual Cash Value (a less expensive premium) settlement pays only for the current value of your property, which is the cost of replacement minus depreciation based on age and wear, up to the limit in the policy.

By choosing to have a higher deductible, you can also save significantly on your premium.

Not sure which policy is right for you? Click here to review our coverage matrix which details the dwelling insurance options available to you.

You tell us if you want the best vacant home insurance coverage we have available, or if you desire more basic coverage. We will discuss the options with you and find the plan that best meets your needs, subject to coverage availability.