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Vacant Property Insurance

Vacant-PropertyInsuring a vacant home is easy , if know where to get the right policy. Many brokers don’t like to cover a vacant home because it is likely to suffer certain kinds of damage, such as break-in by kids or vagrants, or damage that grows to a large scale, for example a water leak that goes undetected for weeks. 

When a home becomes vacant, a standard homeowners policy may give the carrier the right to cancel mid-term, lower coverage levels, or even deny a claim. What you need is a broker that has a policy that is specifically written for the risks of vacant property.

It apply to these common circumstances:                                                            

  • You own rental property  and are between tenants
  • You’ve moved for a new job but your house is unsold
  • A property is undergoing renovations
  • As executor, you are selling a house to close an estate

Call W. A. George Insurance and let them get the right coverage for your property.

A standard homeowners insurance policy does not cover an unoccupied home. Vacant property insurance is essential to ensuring the value of a property that is not currently being occupied. W.A. George can provide an affordable policy that will cover your residential or commercial property until the property is sold, moved into or rented.

Whatever the reason is for the property being empty, W.A. George can write a policy to protect your investment.

What happens when your property becomes vacant?

If a property is vacant for more than 60 consecutive days before a loss occurs, there may not be coverage for a loss caused by the following perils:

  • Vandalism
  • Building glass breakage
  • Water damage
  • Theft or attempted theft
  • Sprinkler leakage

Some potential hazards posed by vacant property

  • Fire
  • Mold
  • Water leakage
  • Crime
  • Theft
  • Weather-related damage
  • Environmental risks

Vacant properties may attract trespassers, arsonist, thieves or other criminals.
Copper thieves target vacant properties, especially those that are not secured and without power.
One of the side effects of the current economy is the increased likelihood of claims involving vacant property.

Vacant property losses often create difficult loss settlement situations for everyone involved.


W. A. George Insurance Agency vacant property program affords you the ability to cover all your vacant real estate exposures through a single source. A single point of contact and the strength of an A+XV rated carrier.


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