VACANT DWELLINGS
POLICY HIGHLIGHTS
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Dwellings under renovation
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Ground-up course of construction
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Residential vacant properties
Additional Coverage Options
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3, 6, or 12-month policy terms available
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Mono-line or package (property & liability)
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Admitted with direct bill options for qualifying risks
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1-4 family dwellings
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Replacement cost available for qualifying risks
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No age limit
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Liability limits up to $1M
SUBMISSION REQUIREMENTS
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Builder’s Risk Supplemental Application (if any renovations)
When a home sits empty, it faces higher risks that a standard homeowners policy won’t cover. Vacant home insurance is designed for property owners with homes that are for sale, between tenants, or under renovation. It protects against threats like vandalism, theft, fire, and unforeseen damage, giving you peace of mind that your investment is safeguarded until it’s lived in again.
Our history of writing a clean, profitable book gives us the advantage of in‑house binding authority for this risk.
IN-HOUSE
BINDING
