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Vacant Dwellings

Vacant Dwellings

Do you have a vacant home that you just can’t seem to find coverage for? We can help! We can offer coverage for vacant homes that are being remodeled, between tenancy, pending sale, estates, or investment properties. This applies to dwelling, condominiums, and manufactured homes. We can even schedule up to 10 vacant units on one policy. Dwellings up to four families or three stories will also be considered. Protection 9 and 10 fit into this program as well. Depending on the condition of the home, we can either write the vacant homes under the DP-1 or DP-3 program. Under the DP-3 program, replacement cost is the settlement option. Replacement cost is also the settlement option for personal property.  Do you have a home that was just purchased and undergoing major renovation? By adding the builders risk endorsement, we can quote this under the DP-1 program. 

There are multiple opportunities for discounts. We can offer a pay in full, claims free, multi-policy, and many more discounts. If you have a home with a supplemental heating device, we can offer coverage by adding a surcharge. Give us a call if you have a unique risk and can’t find coverage. We will do our best to get what your insured needs. 

Posted by Lauren Turner on Dec 1, 2021