Specialized protection. Lasting value.

Vacant property insurance
Quoted in minutes

Fire, theft, vandalism, and liability coverage, while your property sits empty.

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Licensed in FLORIDA AND GEORGIA

Underwritten by A-Rated Carriers

10+ Years Specializing

Claims-Ready 24/7

No inspections required to bind

Why vacant properties matter

No one's there
But the risks are

Fire

Nearly half of fires in vacant buildings are intentionally set. In occupied homes, it's about 1 in 10.

Break-ins &
Vandalism

No one's there to notice until the damage is done.

Water Damage

A burst pipe in an empty property can run for weeks before anyone finds it.

Liability

Trespassers are still your liability, even when nobody lives there.

Empty for different reasons
Covered for all of them

Between Tenants

Break-ins and vandalism spike during turnover. Stay covered while the unit sits empty.

Listed for Sale

Strangers walking through an empty house at every showing. Liability covered until the deal closes.

Renovation or Flip

Contractors in and out, materials on-site, structure exposed. Standard policies often exclude this. VacantGuard doesn't.

Estate or Land

Probate, inheritance, undeveloped land. No one checking in daily doesn't mean no risk.

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Empty properties turn small
problems into bigger claims

Which can escalate into expensive damage before anyone sees them.

45%

of property claims happen
in vacant buildings

$12K+

average fire claim in
vacant homes

24h

typical policy issuance

3–12mo

flexible coverage terms

Fire figures cited from NFPA vacant structure fire data.

Coverage comparison

Check your fine print

Most policies stop covering a property after 30–60 days empty. We fill that gap.

Coverage after 30–60 days unoccupied

Vandalism, theft and malicious mischief while empty

Liability for trespassers on the property

Renovation and construction exposure

Standard policy

Typically stops

Not covered

Often excluded

VacantGuard

Covered

Optional add-on

Coverage after 30–60 days unoccupied

Standard policy

Typically stops

VacantGuard

Covered

Vandalism, theft and malicious mischief while empty

Standard policy

Not covered

VacantGuard

Covered

Liability for trespassers on the property

Standard policy

Not covered

VacantGuard

Covered

Renovation and construction exposure

Standard policy

Often excluded

VacantGuard

Optional add-on

Coverage varies by carrier and state. Check your own policy wording.

How it works

Coverage in three steps

Enter your ZIP

Ten seconds. That's it.

Get an instant quote

A few questions about the property. See your price on screen. No callback, no waiting.

Get proof of insurance

Bind coverage, get your certificate same-day. Ready for lenders, agents, or closing.

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Social proof

Trusted by property owners
who can't afford a gap in
coverage

Managing an inherited home during probate came with more decisions than I expected. Getting the property insured was one of the few things that felt simple and under control.

Our retail unit remained empty while we searched for a new tenant. The building still contained equipment and represented a significant liability, so maintaining the right coverage during the transition was essential.

Clients rarely realize that moving out can change how their existing policy covers the home. Having a clear vacant-property insurance option gives them one less issue to solve before listing or closing.

My rental sometimes sits empty between bookings, especially outside the busy season. I needed coverage that reflected how the property is actually used instead of forcing it into a standard homeowners policy.

I had already moved into my new home when I learned that my previous policy might not fully cover the vacant property. VacantGuard gave me peace of mind while buyers, agents, and inspectors were walking through the house.

With contractors coming and going, materials inside, and parts of the house exposed, leaving the property uninsured wasn’t an option. The quote was straightforward, and I had the coverage documents ready for the project.

Vacancies are unpredictable, but the insurance gap doesn’t have to be. I was able to arrange coverage as soon as my tenant moved out, without spending days calling different agents.

Pricing transparency

Clear pricing. Terms you know upfront

Terms from 3 to 12 months. Payment options available. Adjust or cancel as your property's status changes, with flexibility built into every agreement.

Your price in
three simple steps

Answer a few questions about the property and see your price on screen. No calls, no obligation.

Your details

Property

Coverage & price

PLACEHOLDER

FAQ

Questions property owners ask us most

01Will my homeowners insurance cover a vacant property

In most cases, no. Standard policies typically stop covering a property after it’s been unoccupied for 30–60 days. That’s exactly the gap VacantGuard fills.

02How fast can I get proof of insurance

Most policies issue within 24 hours, with same-day certificates available when you need one for a lender or closing.

03Can I cover a property that's under renovation

Yes, optional renovation and construction coverage is available as an add-on.

Protect the Property. Protect the Investment.

Protect the property. Protect the investment.

Free instant quote.

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Protect the Property.
Protect the Investment.

Vacant property insurance for what standard policies won't cover. Fast quotes. Real coverage. Protection that doesn't take a day off, even when your property does.