Vacant Property Insurance

Replacement Cost Option

If the dwelling is damaged, your policy will pay the amount necessary to fully repair or rebuild it, up to policy limits, when it is damaged by the following named perils:

  • Fire
  • Windstorm
  • Lightning
  • Hail
  • Internal Explosion
  • Vehicles
  • Smoke

Commercial General Liability Coverage

This optional premises liability defends you from liability for bodily injury or property damage caused to others on rental, seasonal, and vacant property.

Fair Rental Value

If the dwelling is rented to others and is unfit for normal use due to a covered loss, this coverage helps cover the fair rental value of the dwelling.

Personal Property Protection

An optional coverage, this protection covers insured's belongings on premise when they are damaged by the perils listed in your policy.

Personal Liability Coverage

This optional coverage protects you against accidents resulting in bodily injury or property damage - regardless if it occurs on the premises or not!

Vandalism and Malicious Mischief

Should someone maliciously cause damage to the property, this optional coverage pays for the repairs. Available for owner occupied, rental, and vacant dwellings.

Coverage for Other Structures and Reasonable Repair Expense is automatically included. Our TDP-1 includes Other Structures up to 10% of the dwelling amount and Reasonable Repairs which pays for temporary repairs that guard against further damage.

Vacant Program

With 3, 6 or 12 month Policy terms, you have the flexibility to handle those unique occasions when a customer has a vacant dwelling that needs coverage. VM & M and Premises Liability also available!