Vacant property insurance
Most homeowners and landlord policies restrict or stop coverage once a home has been empty for 30 to 60 days. A vacant dwelling policy is written for exactly that: a home between owners, tenants or projects.
Quote vacantWhat it covers
- The dwelling while no one lives in it
- Fire, wind, hail and other named perils, as the carrier writes them
- Vandalism and theft, where offered and the home is secured
- Liability for the empty property, when requested
Who it's for
Investors holding a home before renovation or sale, and owners of inherited or between-tenant homes.
What your lender will ask for
Coverage to the loan amount, the mortgagee clause and loan number, and confirmation that the policy is written for a vacant dwelling.
Questions we hear
Why won't my regular policy cover a vacant house?
Empty homes have more fire, water and vandalism losses, so standard policies limit them after a set number of days. A vacant policy is priced for that risk.
Can a vacant policy turn into a landlord policy when I rent it?
We switch you to a landlord policy once a tenant moves in.
Where we write it
VersiFi quotes nationwide through carriers licensed in each state. State guides:
Get a quote today.
Send the address and your lender's details - we quote with several carriers at once and send the evidence of insurance to your lender. Or call 512-801-8702.