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Vacant Building Insurance


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Vacant Building Insurance

Vacant Building Insurance

Unoccupied 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, 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.

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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
  • 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.

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).

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.
  • 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.

Needs Vacant Property InsuranceNeeds Vacant Property Insurance 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:


  • 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. Learn More

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Benefits of Choosing FarmerBrown

A Broader Choice

We work with over 30 A-rated insurance companies--many of which your local brokers might not have access to.

5-Star Customer Service

We pride ourselves on our knowledgeable and professional sales team, who prioritize attention to detail and are ready to take claims 24/7

Tailored Service

We negotiate with top insurers to achieve effective insurance solutions for you.

We Work With Top A-Rated Carriers

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