Insurance built for vacant property
General liability only, or general liability plus a property package, for vacant homes, vacant land, vacant commercial buildings, and vacant condos. Tell us about your property and someone will follow up with a quote.
Coverage for every kind of vacant property
Pick the property type that matches yours to see coverage details, or jump straight to the quote form.
Vacant Home Insurance
Coverage for a single-family house or vacant residence between tenants, during a sale, or after a move-out.
Vacant Land Insurance
Coverage for raw or undeveloped land, including land you rent out to someone else for farming, grazing, or events.
Vacant Commercial Building Insurance
Coverage for an empty office, retail space, warehouse, or other commercial building.
Vacant Condo Insurance
Coverage for a condo unit that is sitting empty during a sale, renovation, or ownership transition.
How it works
From telling us about your property to a quote, in just a few minutes.
Tell us about the property
Property type, address, and why it is vacant.
Pick your coverage
General liability only, or general liability plus a property package.
Review your quote
We line up the details and someone follows up to help.
Connect with someone
Get connected with someone who can finish up your policy.
Two ways to get covered
Choose what fits your situation on the quote form. Coverage, terms, and availability vary by carrier, state, and individual risk.
General Liability Only
Third-party bodily injury and property damage claims tied to the vacant property, such as a trespasser getting hurt on site.
General Liability + Property Package
General liability plus coverage for the building itself and any contents left on site, subject to underwriting.
Common reasons properties sit vacant
Whatever the reason, we ask about it on the quote form so we can match you with the right coverage.
- Currently for sale
- Estate planning after a death
- Currently held for rent
- Under renovation
- Planned demolition
Ready to protect your vacant property?
Tell us about your property and someone will help you line up the right coverage.
Start my quoteCommon questions
What counts as a vacant property?
Most carriers treat a home, building, or unit as vacant once it has been empty of normal occupants for a set period, often 30 to 60 days. Vacant land is generally treated as vacant from the start, since no one lives there.
Can I get insurance for vacant land that I rent out?
Yes. Vacant land insurance can apply even when you rent the land to someone else for their own purpose, such as farming, grazing animals, or hosting sports events. Tell us about the arrangement on the quote form so it can be factored in.
Do I have to choose property coverage, or can I get general liability only?
You can choose either. General liability only covers third-party injury and property damage claims. If you also want the building and contents covered, choose the general liability plus property package option.
Why do you ask for a mailing address if the property is vacant?
Since no one lives at a vacant property, we need a separate mailing address so you can receive policy documents, billing, and other correspondence.
Can a property manager be added to my policy?
Often, yes. If a property manager oversees the vacant property, they can frequently be named as an additional insured. Tell us on the quote form and provide their full name and address.