Flexible term lengths
Policies available in 3, 6, or 12-month terms with pro-rata cancellation return once the home is sold or rented.
Unoccupied property protection
Vacant property insurance for unoccupied homes, estates, and transitions.
Protect unoccupied residential and commercial buildings during property sales, estate probate settlements, tenant turnover, or minor renovations with flexible 3, 6, or 12-month policy terms.
Quick insurance start
Why is vacant property insurance on your radar today?
Select the option that best matches your current situation, and we’ll carry it directly into your request.
The 30-day vacancy clause
Why standard homeowners insurance stops covering vacant property.
Nearly all standard homeowner and landlord policies contain strict vacancy clauses that suspend coverage for vandalism, pipe freeze, and glass breakage if the premises remain unoccupied for 30 or 60 consecutive days.
Key coverage solutions
Structured around the realities of your situation.
Vandalism & mischief
Explicit protection against vandalism, trespass damage, and break-ins which standard policies exclude during vacancy.
Premises liability
Defense and settlement protection against trespasser, contractor, or delivery personnel injury claims on the grounds.
Renovation endorsement
Optional coverage extensions for cosmetic updates, painting, flooring, and minor contractor improvements.
Quote underwriting details
What we need to build your independent comparison.
- Securing the buildingDoors, windows, locks, and utility status (heating maintained in winter to prevent pipe bursts).
- Property conditionRoofs must be intact and grounds regularly maintained to discourage trespassers and vandalism.
- Intended dispositionWhether the property is currently listed with a licensed realtor, in probate, or being prepared for lease.
Related discovery
Independent market access
We compare available markets for coverage, price, and fit.
Market access varies by state, product, risk details, eligibility, and underwriting. A listed carrier does not constitute a guarantee of coverage or rate.
Frequently asked questions
Common questions about vacant property insurance.
Why did my insurance company cancel my policy after I moved out?
Standard policies assume an occupant is present to detect water leaks or smoke promptly. Once empty, risk multiplies, triggering standard vacancy exclusions.
What happens if the house sells before the 6-month term expires?
Our vacant policies typically provide pro-rata return of unearned premium upon proof of closing and title transfer.
Can an executor or estate representative purchase the policy?
Yes. We routinely write vacant policies in the name of the estate, trust, LLC, or court-appointed executor.
Ready to begin?
Start your independent quote comparison today.
Tell us what changed. An agent will review your request, compare available markets, and follow up with clear recommendations.