Vacant Building Insurance

Protect your unoccupied property from unexpected risks.

Vacant buildings are vulnerable to vandalism, damage, and liability claims. Without the right coverage, an empty property can quickly become a costly problem.

With Vacant Building Insurance, you safeguard your unoccupied properties—so your investments stay protected until they’re occupied again.

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Protection for Unoccupied Properties

Vacancy Clauses

Standard property policies often reduce or eliminate coverage after 30-60 days of vacancy. Vacant building insurance fills this gaps.

Higher Risk Coverage

Vacant buildings face increased risks: vandalism, squatters, water damage, fire, and liability claims that need specialized coverage.

Temporary Protection

Ideal for properties between tenants, undergoing renovation, awaiting sale, or seasonal closures that leave buildings unoccupied.

Why Buildings Become Vacant

Tenant Turnover

Between commercial or residential tenants while seeking new occupants or completing renovations.

Renovation/Remodeling

Properties undergoing major construction where occupancy isn’t possible or safe.

Property for Sale

Commercial or residential properties on the market awaiting purchase, which can take months.

Inherited Properties

Buildings inherited through estates while legal matters are settled or decisions made.

Seasonal Properties

Vacation rentals, summer camps, or seasonal businesses closed for extended periods.

Business Closure

Former business locations closed permanently while deciding future use or selling.

What Vacant Building Insurance Covers

Tenant Turnover

Protects against graffiti, broken windows, theft of fixtures, and intentional property damage.

Fire & Lighting

Protects against fire damage, which vacant buildings are more susceptible to due to electrical issues or arson.

Water Damage

Covers leaks, burst pipes, and water damage that may go unnoticed without regular occupancy.

Liability Protection

Covers injuries to trespassers, visitors, or squatters who may enter the vacant property.

PROTECTING VACANT PROPERTIES

To reduce risks and insurance costs for vacant buildings:

1. Regular Inspections: Check property weekly for damage, trespassing, or maintenance issues
2. Security Measures: Install alarms, cameras, motion lights, and secure all entry points
3. Maintain Utilities: Keep heat on in winter (at least 55°F) to prevent frozen pipes
4. Property Appearance: Maintain landscaping and remove signs of vacancy
5. Winterization: Properly drain pipes if heat will be off for extended cold periods
6. Neighborhood Awareness: Inform trusted neighbors or local police about vacancy
7. Timely Repairs: Address minor issues quickly before they become major problems
8. Document Everything: Keep records of inspections, maintenance, and security measures

Protect Your Vacant Property Today

Don’t risk catastrophic losses on your vacant property. Get specialized insurance that covers the unique risks of unoccupied buildings.

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