When it comes to vacant home insurance, a good low cost solution does not exist in the United States. Vacant home insurance is 3 times to 5 times as expensive as regular homeowners insurance in most instances, and there is no way around this if you want a good policy.

Even “fire only” policies may be more expensive for vacant homeowners insurance than regular homeowners insurance and what are you getting, fire only!

There are certain factors that can get you the best rates possible for your vacant or empty home during the vacant home underwriting process. These are listed below

  1. Will the vacant home be visited at least 4 times per month? Homes that don’t get 4 visits are loaded or not rated at all. Visits mean inside inspections not grass cutting.
  2. How long as the home been uninsured or is the home currently insured.
  3. Is the vacant house within 1000 feet of a fire hydrant and within 5 miles of a fire station
  4. What is the type of construction on the empty home? Brick and mortar is better than wood frame and cedar shake.
  5. Is the home in a coastal community or a beach community.

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