Why You Need vacant home Insurance

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Some vacant homes we help find insurance for:

Dwellings with up to 4 Units
Individual Condo or Townhouse Unit
Apartment Buildings
Mixed Residential & Commercial
New Construction

MORTGAGE REQUIREMENT:

If you have a mortgage on your vacant home, your lender will typically require you to have insurance coverage.  Even without a mortgage, insurance provides vital protection for your vacant home, its contents and liability exposure.                                                                                                                                 

LIABILITY PROTECTION:

Includes coverage for legal expenses and liability claims, protecting you from potential lawsuits related to property damage or bodily injuries that occur on your property.

PROTECTION FOR YOUR VACANT HOME:

Coverage to protect against repair costs or replacement of your vacant home and contents.                                                                                                                            

NOT COVERED BY HOMEOWNER INSURANCE

If ahome remains vacant, typically more than 30 days, the vacant home may not qualify for a homeowner’s policy. Therefore, you will need vacant home insurance for as long as it remains vacant.

There are Four Standard Vacant Home Insurance Coverages:

Dwelling Coverage:  

Coverage for damage to your vacant home and attached structures.

Other Structures Coverage:

Offers coverage for structures not permanently attached to your vacant home like detached garages, gazebos, patios, sheds, pergolas, fences, and driveways.

Personal Property Coverage:

Pays to repair or replace your personal belongings, such as furniture or appliances, left inside the vacant home, if they’re damaged or stolen.

Personal Liability Coverage:

Covers you if a claim or lawsuit is brought against you for damages due to bodily injury or property damage, up to the limits of your coverage. It may also pay for legal costs resulting from lawsuits.        

Vacant Home Eligibility Requirements:

If your vacant home fits any of these categories, you should be eligible for Vacant Home Insurance.

Dwellings that are 100% vacant and not undergoing repairs, remodeling, or renovations.

Dwellings with up to four residential units.

Dwellings with three residential units and one commercial unit.

Dwellings with two residential units and two commercial units.

Fully skirted mobile homes that are anchored and/or on a permanent foundation.

Individual condominium and townhouse units.

Potential Savings to Explore:

Insurance discounts can differ depending on the insurance provider you select.  It is important to note that not all carriers offer the same discounts.

New Homeowner Discount:

Age of Vacant Home Discount: Newer homes qualify for a higher savings.

Flexi-Bundle™ & Save:

Flexi-Bundle™ Discount: Combine up to four insurance products and select from up to four insurance carriers.

Policyholder Savings:

Multi-Dwellings Discount:  Applies when you insure more than one vacant dwelling.

Frequently Asked Questions

You have two payment options:

Option 1:  Click the Carrier tab, scroll to locate your carrier. Most carriers accept online payments via check, credit card, or ACH.  Click on your carrier’s name and proceed to make your payment.

Option 2:  Click the Customer Center tab. Scroll down to find the Input1 icon. Input1 offers digital payment options, including ApplePay and eWallet.  Click on the Input1 icon, log in, and make your payment. 

Report The Claim by Phone:

  • Click on the Carrier tab.
  • Locate your insurance carrier.
  • Use the carrier’s claims phone number to report the claim.

Report The Claim Online:

  • Click on the Carrier tab.
  • Use the carrier’s claims website link to report the claim online.

Absolutely. We use secure encryption technology to keep your personal information safe. When it comes to your application, we never pull your data without your approval first. We will also never sell your data to any third party…ever.

If you have questions, you can call, text, email, or live chat with a real expert at Insurish who is standing by to help. No matter how you contact us, we will get back to you immediately. For help, click the Contact Us tab.

We offer insurance solutions for all your personal needs like auto, home, life, health & more. We also offer products for all your business needs, like liability, property, trucks & more. We don’t stop there! We also offer a wide array of car care and safety & security products.

Here are some things to consider if you are deciding whether to file a claim:

  • Was anyone injured?
  • Do the damages exceed your deductible?
  • Is the issue related to maintenance or normal wear-and-tear?

If you answered yes to one or more of these questions, you should consider filing a claim. If you have further questions about the claims process, don’t hesitate to contact your insurance carrier directly.

Step 1:  Protect and Secure Property:

  • Cover or tarp holes in walls and roof.
  • Board up windows and doors to prevent looters.
  • Ensure fire and embers are extinguished and move any property at risk of damage.

Step 2: Collect Info and Document Losses:

  • Create an inventory list of all lost items and do not throw anything away.
  • Document everything and maintain a claim diary.  Take note of who you spoke to and when, any completed work, and keep business cards from adjusters or contractors.

Step 3: Contact Your Insurance Carrier.

Flood damage is typically not covered by a vacant home insurance policy.  To safeguard against flood-related damage, it’s essential to purchase a separate flood insurance policy, which can be obtained through Insurish. 

If you reside in a flood-prone area, obtaining flood insurance should be a priority. Use the FEMA flood map to access the flood risk associated with your address. This information will help you determine whether purchasing flood insurance is advisable to protect your home.

A deductible is the amount of money you pay out of pocket for covered expenses before your insurance coverage kicks in.

For example, if your vacant home insurance deductible is $1,000 and you have $10,000 in damages, the insurance company will pay $9,000, and you would pay your $1,000 deductible.

Step 1: Secure Property

  • Temporarily repair and turn off the water source.
  • Secure valuables to prevent further damage.
  • Unplug electrical appliances near the affected area.

Step 2: Start Remediation

  • Contact a contractor to repair the source of the leak.
  • Begin drying up any visible water and start the mitigation process.

Step 3: Prepare for Claim

  • Keep receipts for any out-of-pocket expenses.
  • Take photos of the damage and refrain from disposing of any damaged items.

Step 4: Contact Your Insurance Carrier

Step 1: Secure Property

  • Tarp, board up, and protect your home from further damage.
  • Clear debris from the area.
  • Photograph the damage before and after securing it.

Step 2: Continue Securing

  • Look for any signs of water leaks, wall, or ceiling damage.
  • Keep receipts for any out-of-pocket expenses incurred.

Step 3: Contact Your Insurance Carrier

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Please Note:

At Insurish, we provide general information on insurance products to help you grasp their different aspects. It’s important to note that this information isn’t an insurance policy and doesn’t pertain to any specific carrier’s policy. It doesn’t alter any provisions, limitations, or exclusions expressly stated in an insurance policy. Descriptions of coverages, discounts, and features are concise. For a comprehensive understanding of specific policy details, we recommend reading the applicable policy and consulting an Insurish agent. Coverages and features vary by insurer and state and may not be available in all states. Coverage for accidents or losses depends on the terms and conditions of the actual insurance policy. References to premiums, losses, deductibles, and costs are illustrative and may not apply to your circumstances. Insurish is not liable for the content of third-party sites linked from this page.