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Vacant Building Insurance - Let us find your best coverage - coverage for unoccupied and vacant buildings

Standard property policies limit coverage once a building sits empty for 60 days, so vacant buildings need a specialty policy priced on security, condition and your plans for the property. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.

Vacant Building Quote Request

Applicant Information:

Business Structure (Optional - choose one)

Have these handy

  • Date the building became vacant
  • Photos of current condition
  • Plans for sale, renovation or lease
  • Security and inspection schedule

Related coverage

Coverage details

What Vacant Building coverage includes

Standard property policies limit coverage once a building sits empty for 60 days, so vacant buildings need a specialty policy priced on security, condition and your plans for the property.

  • Building property - Fire, wind and other named perils while the building sits empty.
  • Premises liability - Injuries to trespassers, inspectors and buyers on site.
  • Vandalism - Optional coverage for vandalism and malicious mischief.
  • Renovation coverage - Property protection while repairs are under way.
  • Theft of materials - Copper, fixtures and equipment taken from the building.

Good to know: boarded openings, utilities shut off or monitored, and regular documented inspections make the most difference to price and peril options.

Not covered: vandalism, glass breakage, sprinkler leakage and theft on many vacant forms unless added back, plus freezing if heat is not maintained.

Insurance Application:

Vacant Building

Required forms

Vacant Building Supplemental Application (PDF)

Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.

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