Our Vacant Building package is designed for residential and commercial vacant building risks. We can consider coverage for vacant buildings with or without renovations, vacant tenant spaces and vacant condominiums. Our product can be quickly and easily quoted for 3, 6, 9 or 12-month policy terms on a monoline or package basis.
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Ineligible Vacant Building
Please note we cannot offer coverage to the following:
  • Currently damaged (fire or otherwise)
  • Not locked and fully secured from unauthorized entry
  • Undergoing structural renovations
  • Tenants have been evicted from the premises within the past 60 days or are in the process of being evicted
  • Plans for demolition during or after our policy term for Property and plans for demolition during our policy term for general liability
  • Swimming pools on the premises
  • Risks located on a farm or in AK, LA or WV

Available Coverage for Vacant Building
  • No restrictions on length of vacancy
  • Vandalism is included with property coverage
  • No liability deductible
  • Short-term policies can be extended by endorsement or if the occupancy changes we can consider coverage under one of our other products
  • Independent contractor's coverage available
  • Special form and replacement cost coverages are available for some risk
  • Renovation work up to $250,000 in cost (non-structural)
  • Business Personal Property coverage up to $250,000

Coverage Limits Available for Vacant Building
  • Property limits up to $5,000,000 in total insurance value (depending on risk characteristics)
  • Contents coverage up to $250,000
  • In coastal zones, property is available up to $500,000 per location excluding wind and hail
  • Vacant condominium units property is available up to $500,000 per unit
  • Liability limits up to ◦ $1,000,000 each occurrence/$2,000,000 aggregate
  • Additional excess liability limits can be provided up to $5,000,000