Vacant Home & Commercial Building Insurance

Business investors, landlords and other owners of residential and commercial property often find their investments unoccupied during tenant or ownership transitions or even renovation. The 
US Assure vacant property insurance product offers coverage for unoccupied homes and commercial vacant buildings. Owners can purchase property insurance limits up to $5 million and general liability limits up to $1 million. Should the occupancy of the property change during the policy term, property coverage can easily be converted to a rental dwelling policy

The vacant property policy is insured by a respected “A” rated carrier, serviced by our team of experts and available with no premium commitment. We also offer competitive compensation to retail agents and brokers.


  • Residential dwellings and commercial buildings that are completely vacant
  • All protection classes, when a fire station is located within six miles
  • Structures undergoing repairs, remodeling, or renovations at 15 percent or less than the total completed value or purchase price
  • Structures must have a value of at least $25 per square foot
  • Mobile homes anchored or on a permanent foundation
  • Individual condominiums or townhouse units 
  • No more than two losses in the past three years


  • Quote and issue policies online
  • Standard 12-month policy term, with short-term policies available
  • Vacant structure policy can easily be converted to a rental dwelling policy
  • One policy for multiple residential properties when located in the same state and requiring the same occupancy coverage need  
  • Wind coverage is not a standard coverage option, but may be available in select areas for an additional charge
  • Basic Form including vandalism
  • Special Form including theft and excluding theft
  • Premium installment payments available
  • Offered on an admitted basis in most states
  • Direct bill to customers, with optional credit card or electronic check payment method


  • Nationwide except in Alaska and Hawaii

More Information

Our team is available at (800) 800 – 3907 should you need assistance in the application process or have questions about this product.

Issue a vacant structure policy

Agents and brokers already registered to do business with us may log in here to begin issuing their next vacant structure policy or manage an existing policy.


Access new products

Join the US Assure team. Enjoy access to a broad portfolio of programs all insured by respected “A” rated carriers and a responsive, reliable team of industry experts who place you at the center of everything we do.

Are you a customer looking for coverage? Click here. 

Need more information?

Vacant Structures Brochure | Download Now ►
US Assure Underwriting Contacts | Download Now ►