Vacant Property Insurance - Comprehensive Coverage for Vacant Buildings & Land | CoverMyNiche

Vacant Property Insurance

Protecting Your Investment While You Wait

Whether your property is waiting for new renters, undergoing renovations, or just waiting for its next chapter, we've got you covered. From vacant dwellings to new construction, we've been protecting properties like yours since 1978.

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Coverage for Every Property Type

Specialized insurance solutions tailored to your specific property needs

Vacant Dwellings

Comprehensive protection for vacant residential properties with 1-4 units. Coverage available up to $5 million with flexible policy terms.

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Commercial Buildings

Insurance for vacant commercial properties including buildings undergoing renovation and new construction projects.

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Landlord Properties

Specialized coverage for rental properties with loss of rents protection and easy conversion to vacant dwelling policies.

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Builders Risk

Enhanced coverage for new construction from first nail to final touches. Residential and commercial properties up to $5M.

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Premises Liability

Protection up to $1 million for residential and commercial properties. Available for properties up to 10 acres.

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Vacant Land

Coverage for vacant land from initial purchase to future development. Residential up to 5 acres, commercial up to 10 acres.

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Why Choose Our Vacant Property Coverage

High Coverage Limits

Property coverage available up to $5 million, with general liability protection up to $1 million per occurrence.

Flexible Policy Terms

Choose 3-, 6-, or 12-month policies in most states, with flexible payment options including convenient online payments.

Easy Policy Transitions

Seamlessly convert between vacant dwelling and landlord policies with a simple endorsement as your property needs change.

Multiple Locations

Have more than one property in the same state? We can provide coverage with just one policy for your convenience.

Named & All-Risk Options

Choose from basic "named peril" coverage or comprehensive "all-risk" protection for broader peace of mind.

Proven Track Record

Protecting vacant properties since 1978 with coverage from an "A" (Excellent) rated carrier by AM Best.

Vacant Dwelling Coverage

Comprehensive protection for your vacant residential property

Named Peril Coverage
Basic form policy (CP 10 10) protects against fire, windstorm, hail, vandalism, smoke, sprinkler leakage, lightning, explosion, vehicle damage, sinkhole collapse, aircraft damage, and volcanic action.

All Risk Coverage Available
Special form policy (CP 10 30) provides coverage for all causes of loss unless specifically excluded, including theft coverage with active central station alarm.

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

General Liability Available
Optional coverage (CG 00 01) for financial protection up to $1 million for accidents on your property.

Easy Transition to Landlord Policy
When your property is ready to rent, easily convert to a landlord insurance policy with a simple endorsement.

Multiple Locations
Own more than one vacant dwelling in the same state? Get coverage with just one policy.

Eligible Vacant Dwellings Include:

Dwellings that are 100% vacant and not undergoing repairs, remodeling or renovations
Dwellings with up to four residential units
Dwellings with three residential units and one commercial unit
Dwellings with two residential units and two commercial units
Fully skirted mobile homes that are anchored and/or on a permanent foundation
Individual condominium and townhouse units

Please Note: Buildings intended for demolition do not qualify for coverage.

Vacant Commercial Buildings

Specialized coverage for vacant commercial properties and renovations

Named Peril Coverage
Protection from fire, windstorm, hail, vandalism, smoke, sprinkler leakage, lightning, explosion, vehicle damage, sinkhole collapse, aircraft damage, and volcanic action.

All Risk Coverage Available
Special form policy available (excluding buildings being renovated and new construction) with theft coverage when equipped with active central station alarm.

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

General Liability Coverage
Available for buildings with up to four units (excluding new construction) up to $1 million.

Eligible Commercial Buildings Include:

Buildings with prior commercial occupancy that are 100% vacant and not being used for storage
Vacant apartment/condominium buildings with more than four residential units
Vacant commercial buildings undergoing repairs, remodeling or renovations
Brand new construction
Coverage available for mid-term exposures

Please Note: Buildings intended for demolition do not qualify for coverage.

Landlord Property Insurance

Comprehensive coverage for your rental properties

Named Peril Coverage
Basic form policy protects against fire, windstorm, hail, vandalism, smoke, sprinkler leakage, lightning, explosion, vehicle damage, sinkhole collapse, aircraft damage, and volcanic action.

All Risk Coverage Available
Special form policy (CP 10 30) for broader protection with theft coverage when equipped with active central station alarm.

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

General Liability Coverage
Protection up to $1 million per occurrence and $2 million aggregate for accidents on your property.

Loss of Rents Coverage
Optional coverage providing fair rental value while property is uninhabitable due to a covered loss.

Water/Sewer Backup
Optional coverage with special form policy for protection from water damage, overflowing sewers, drains, broken sump pumps, etc.

Easy Policy Conversion
Between tenants? Easily convert to a vacant dwelling policy with a simple endorsement.

Eligible Rental Properties Include:

Well-maintained, one to four-unit family dwellings (minimum building limit: $50,000)
Fully skirted mobile homes that are anchored and/or on a permanent foundation
Individual condominium and townhouse units (minimum building limit: $20,000)
100% occupied by tenants with signed annual leases
Property that has had continuous, prior insurance coverage

Builders Risk Insurance

Enhanced coverage for new construction from first nail to final touches

Residential & Commercial Coverage
New residential construction and commercial buildings up to $5 million in value.

Comprehensive Protection
Coverage for fire, windstorm, hail, vandalism, smoke, sprinkler leakage, lightning, explosion, and structural collapse.

Premises Liability Available
Optional coverage (CG 00 01) for financial protection up to $1M for accidents on the property.

Additional Coverages
Soft costs, property in storage, property in transit, and expediting expense coverage available.

Multiple Locations
Coverage for more than one new construction property in the same state with just one policy.

Eligible Properties Include:

Dwellings with up to four residential units
Dwellings with three residential units and one commercial unit
Dwellings with two residential units and one commercial unit
Individual condominium and townhouse units

Premises Liability Coverage

Protection for residential and commercial properties during construction and development

Nationwide Coverage
Available countrywide (excluding Alaska and Hawaii) with protection up to $1 million for accidents on your property.

Residential & Commercial
Both residential and commercial properties eligible for coverage.

Admitted Coverage
Underwritten by Diamond State Insurance Company®, "A" (Excellent) rated by AM Best. Exception: AL, FL, LA, MS, and coastal NY written on non-admitted basis.

Eligible Properties Include:

Residential properties up to 5 acres and commercial properties up to 10 acres
Dwellings with up to four residential units
Dwellings with three residential units and one commercial unit
Dwellings with two residential units and one commercial unit
Individual condominium and townhouse units

Vacant Land Coverage

Protection from initial purchase to future development

Premises Liability Coverage
Available countrywide (excluding Alaska and Hawaii) for financial protection up to $1 million.

Residential & Commercial
Coverage for residential properties up to 5 acres and commercial properties up to 10 acres.

Flexible Terms & Payments
3-, 6-, and 12-month policies with convenient installment options and online payments.

Admitted Coverage
Underwritten by Diamond State Insurance Company® with "A" (Excellent) AM Best rating. Exception: AL, FL, LA, and MS on non-admitted basis.

Eligible Properties Include:

Residential properties up to 5 acres and commercial properties up to 10 acres
Properties with no buildings

Why Property Owners Trust Us

Since 1978

46+ Years of Experience

A-Rated Carrier

AM Best "Excellent" Rating

Up to $5M Coverage

High Limit Protection

Flexible Terms

3, 6, or 12 Month Policies

Ready to Protect Your Property Investment?

Get a personalized quote for your vacant property insurance today. Our expert team will help you find the right coverage for your specific needs.

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