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    Vacant/Unoccupied


    All carriers are A.M. Best rated A or higher. Not all business will qualify and may not be available in all states. The Underwriting and Coverage options below are a general summary. Coverage may vary depending on the state and risk. Please contact your Account Executive for details specific to your risk.

    Product Advantages

    • Risks that are vaacant or unoccupied are acceptable
    • Available in all 50 states
    • Wind coverage available (some restrictions may apply)
    • In house binding authority up to $10,000,
    • Ability to package multiple products on single policy
    • 1-4 Family Dwellings acceptable
    • Duplex, triplex, and quad-plex acceptable
    • Minimum coverage A $150,000
    • Earthquake coverage available
    • Sinkhole coverage available in Florida (depending on location of risk and carrier)

    Eligible Risks

    • Homes, Estates, Trusts, LLCs, & Partnerships
    • PC 9 & PC 10
    • Prior losses ok
    • Log homes acceptable (some restrictions apply)
    • Older homes acceptable with updates to all systems within the last 35 years
    • Model Homes acceptable (some restrictions apply)
    • Coverage C and D not available for vacant occupany

    Submission Requirements

    • Completed application