• Got a house that is vacant, or unoccupied?
• Was your previous insurance cancelled because there is no one living in the house?
• Did your company do an inspection and send you a notice of nonrenewal because you had your home up for sale? 
• Do you have a home that will sit empty for a few months while you renovate it before renting it out or moving in yourself?
• Did you put an elderly relative in a nursing home, and now no one is living in their home?
• Do you have a business or commercial property that is vacant?
• Have a property that will sit empty til an estate is settled?
• Are you a mortgage company sitting on empty property?

There are special vacant property policies available for just this situation.

Vacant dwelling policies are written specifically to cover unoccupied homes, and are available in 3, 6 or 12 month policies.

Usually, the longer the policy term, the lower the ultimate premium,  however, the shorter policies are useful if you are certain that the property will be unoccupied for a short period of time, say, during a brief renovation. 

The property must  be secure, with locked doors and windows, with no broken glass or doors or other open access to the house.

Coverage is generally limited to fire and extended coverages, meaning that the policy would include fire, smoke, lightning, riot, explosion, vehicle (other than your own) or aircraft damage to the home, hail, and windstorm. Some policies also provide coverage for vandalism and/or malicious mischief. There may be an exclusion of coverage on broken glass or windows.

You can also purchase premises liability coverage in case someone is injured on the property and sues you, but this coverage is optional.

As an example, we recently insured a frame (wooden) house in East Point for $45,000 on the house, and $500,000 premises liability coverag. The six month premium was $374.40.

Rates vary, depending on if a building is wood or brick, and what fire district it is in.

Call us for a free quote! 404-753-3121