Vacant Building Insurance

Vacant Building Insurance

Vacant Building and Home InsuranceUnoccupied residential and commercial properties pose large amounts of risks to insurance companies; for this reason, vacant property insurance can be confusing, expensive, and restrictive. At Farmer Brown, we understand the concerns and questions you may have when it comes to insuring your vacant buildings. While many insurance companies will not insure, or make it difficult to insure, unoccupied buildings or homes because of the increased risk associated with vacancy, we do our best to prioritize the safety and stability of our clients’ properties.


Please Fill Out The Form For Your Vacant Building Quote

Fill out my online form.

Vacant Property Risks

Vacant properties, either commercial or residential, pose a substantially higher risk than occupied buildings, generally due to lack of security and supervision. Without occupancy, buildings remain unsupervised for extended periods and therefore increasing the opportunities for theft and vandalism. Additionally, should the infrastructure of the building fail (bursting pipes, gas leaks, etc), the malfunction will not be noticed for a significantly longer period and the impacts will be much more catastrophic. Building infrastructure could be affected by break-ins, drastic weather, or overall negligence.

Vacant Building Insurance Coverage

Many standard commercial and residential insurance policies do not include extensive coverage for vacant buildings; coverage must be purchased as an additional policy or as an endorsement to your current insurance policy. Depending on the conditions of your building’s vacancy, eligibility, coverage limits, and premiums can vary greatly in terms of restrictions and costs. Common factors affecting coverage limits and policy costs include renovation status, location of the building, security systems, and duration of vacancy. Through years of experience, the agents at Farmer Brown can guide you through the obstacles in obtaining the proper coverage for your vacant property and assure that you are properly covered at a reasonable price.

  • Farmer Brown deals in the unique needs of ensuring unoccupied or partially occupied buildings.
  • Whether it be a vacant building, vacant home, or vacant warehouse we shop multiple insurance carriers to find you the right policy and coverage level.
  • We offer various financing options as well as multiple policy periods to account for short term and long term vacancy (ranging from 3 months to 24 months).
  • We understand the complexities of insuring vacant buildings and will find you the right policy for the best value.

Standard building insurance policies do not cover changes in vacancy status. The unexpected transition from occupied to vacant, or short term vacancy to long term, can be costly. Obtaining a specialized vacant commercial or home insurance policy for unoccupied buildings is essential to ensure coverage for your property from vandalism, damage to infrastructure, flooding, and break-ins. Vacant property insurance policies offer extremely different coverage levels; do not hesitate to seek out the right information and gather all the facts before making your vacant building insurance decisions.

Vacant Commercial Property Insurance

Vacant commercial property insurance is offered to property owners whose buildings are more than 30% unoccupied, typically for more than 30-60 days depending on your standard commercial property insurance. Standard commercial property insurance will not provide coverage to buildings with a vacancy status for longer than this time period due to the increased likelihood of damage. Therefore, vacant commercial property insurance is recommended either in the form of an endorsement or as a separate insurance policy.

If your home or property becomes vacant for a long period of time, standard building insurance policies will not cover the property. Specialized vacant building insurance or vacant house insurance can cover your property during these periods of vacancy from vandalism, damage, loss, and much more. Don’t hesitate to seek out the right information and gather all the facts before making your vacant building insurance decisions. Vacant home insurance, vacant building insurance, or any vacant property insurance is our expertise. It is important to ask many questions and get answers directly from our experts that specialize in vacant building insurance on a daily basis – it’s all we do!

Vacant Home Insurance

Vacant home insurance is recommended if a residential unit will remain 100% unoccupied for more than 60 days. After 60 days of vacancy, most standard homeowner’s insurance policies do not provide coverage for claims. Vacant home insurance is essential for homeowners that must relocate for any reason, such as renovations or extended vacations. Similar to vacant commercial property insurance, vacant home insurance quotes can be in the form of endorsements or separate insurance policies. Contact an agent at Farmer Brown to find a vacant home insurance quote that is best for you and your home.

Farmer Brown Insurance

At Farmer Brown, we are committed to evaluating your buildings and helping you choose the best insurance coverage. If you own vacant buildings such as an office, apartment building or single family homes, we have developed the package just for you. Our vacant building insurance covers:

  • property
  • liability
  • medical

In addition to protecting your real estate structure, this insurance may also provide Liability Insurance Coverage to protect you from financial ruin if someone is injured on your property and sues for damages. Farmer Brown has the capability to provide quotes for the hard to place risks and get you insured quickly and conveniently. We have the experience to analyze and recommend the appropriate building insurance coverage for your property. Business assets have one thing in common-they all need protection. Protect your valuable physical assets with quality insurance coverage. By selecting the best policies from the nations top insurance carriers Farmer Brown is able to deliver coverage that represents the greatest value for you.

What Are The Key Benefits Of Choosing Us?

  • A policy uniquely crafted to meet your needs
  • Ability to negotiate with insurers to achieve insurance solutions effective for you
  • A knowledgeable and professional sales team
  • The security of A rated insurance companies
  • 24 hour claims service
  • Easy payment options
  • Online quotes
  • Attention to detail and customer service

You can obtain a vacant building quote by filling out the form below, or by calling (888) 492-3773 today to find out more about the extensive insurance programs offered by to reduce premium cost and risk. Let the Farmer Brown the team makes obtaining insurance coverage trouble-free. Get the coverage you need at the rates you deserve

We Work With Top A-Rated Carriers

Vacant Building Insurance
Service Type
Vacant Building Insurance
Provider Name
Farmer Brown,
750 N Franklin,#208,Chicago, IL-60654,
Telephone No.1 (888) 492-3773
Description deals in the unique needs of insuring unoccupied or partially occupied buildings. Whether it be a vacant building, vacant home, or vacant warehouse, we shop multiple insurance carriers to find you the right product. We offer financing if available as well as multiple policy periods from 3 months to 24 months. We understand the complexities insuring vacant buildings and will find the right product that gives you the best value for your insurance dollar.

Pin It on Pinterest