Frequently Asked Questions
Got questions? I’ve got answers. If yours isn’t here, Hoot at us!
What does Vacant Property Insurance cover?
When your home or building sits empty, it’s more vulnerable to fire, vandalism, burst pipes, or sneaky trespassers. VacantGuard covers your building for physical damage from covered perils like fire, lightning, windstorm, hail, and vandalism (depending on your policy form).
Why do I need vacant property insurance?
- Most standard homeowner or landlord policies stop covering you once the property is vacant for 30–60 days. That’s where I come in. VacantGuard fills the coverage gap so you stay protected while your property waits for new tenants, renovations, or sale.
What types of properties qualify?
- Vacant homes, buildings, condos, commercial spaces, and properties under renovation. If no one’s living or working there full-time, I can likely guard it.
How long can a property stay covered while vacant?
Our policies typically run 3, 6, or 12 months, and can be renewed if your property is still empty when the term ends.
What’s the deductible?
Most policies include a $2,500 deductible, plus a 2% wind or hail deductible based on the insured value of the building. That means if a storm rolls through, you’ll pay 2% of the property’s insured value before coverage kicks in.
What’s not covered?
We don’t cover damage from floods, earthquakes, war, pollution, mold, or pre-existing damage. If the property was already damaged before your policy started, that stays on your to-do list, not mine.
Can I cancel my policy early?
You can cancel anytime, but keep in mind, there’s a minimum earned premium, which means part of your premium is fully earned at the start. If you cancel, you’ll get back 90% of the unused portion (after fees)
What happens if my property becomes occupied again?
Hoot! Great question. You’ll need to let us know because once it’s occupied, your coverage needs to be rewritten as a homeowner, landlord, or commercial property policy. Easy fix, but an important one.
How fast can I get proof of insurance (COI)?
Same day. Most customers get their certificate of insurance within minutes after purchase so you can show lenders, buyers, or contractors right away.
Can I pay monthly?
Yes! Flexible payment options are available. You can pay in full or break it into smaller monthly payments. No hidden fees, no fine print feathers.
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Protect the Work. Protect the Wallet.
VacantGuard answers every “what if” before it becomes a problem. Learn how our coverage handles fires, storms, and vandalism, and why standard homeowner policies can leave your vacant property exposed.