Vacant Building/Dwelling Program

Coverage that’s tailored for the specific risks associated with vacant properties and more.

• Vacant Dwellings - While your vacant dwelling is waiting for new renters or owners, or just simply waiting, you can rest assured it’s properly protected. As your partner in property protection, we also can quickly and seamlessly transition your Vacant Dwelling policy to Landlord Insurance.

• Vacant Commercial Buildings - We understand the importance of protecting your investment for the future. As a vacant commercial building owner, you may be waiting for a new renter, renovating or constructing a new building. Our coverage gives you the peace of mind to know your commercial space will be protected for whatever new business comes its way.

• Renovations - are you ready to turn your vacant property into a dream home? Whether you’re renovating or completely remodeling, you can be confident your property is covered from the first swing of a hammer to finishing touches.

• New Construction - From first nail to final touches, you can feel confident that your new construction property is covered.  Whether you’re at the beginning of your build or need to pick up coverage part way through construction, we can provide protection at the right price.

• Landlord Insurance - From finding the right renters to regular maintenance, we understand: The life of a landlord can be busy. While we can’t help you pick the perfect tenant, we can help you feel confident your investment property is protected from damage—and you’re protected from losing income. Should you lose your tenant, we also can quickly and seamlessly transition your Landlord Insurance to a Vacant Dwelling policy.

• Short-Term Rentals and Seasonal Homes (coverage available in select states) - We know the risks associated with renting your property as a vacation home, which is why we help protect you from damages caused by your guests and even compensate you for lost revenue. While homeowners insurance may not provide adequate protection, our short term rental policy will give you peace of mind should a mishap arise

Highlights

Named peril coverage. Our “BASIC form” policy (CP 10 10) protects your property from fire, windstorm, hail, vandalism, smoke, sprinkler leakage, lightning, explosion, vehicle damage, sinkhole collapse, aircraft damage and volcanic action.

All risk coverage available (excluding buildings being renovated and new construction). For broader protection, our “SPECIAL form” policy (CP 10 30) provides coverage for all causes of loss unless specifically excluded from the policy. Our “special form” policy also provides theft coverage for properties with an active central station fire and burglar alarm.

Property coverage available up to $5 million limit of insurance.

General liability coverage available (excluding new construction). For buildings with up to four units, select this coverage (CG 00 01) for financial protection up to $1 million should you be found legally responsible for an accident on the property that causes injury to others.

Flexible policy terms. We write 3-, 6-, and 12-month policies in most states.

Solid protection. Our coverage is provided by a carrier with a group rating of “A” (Excellent) by AM Best, the leading rating agency for the insurance industry