Vacant
prop​​erty INSURANCE

Essential protection when homes sit empty. May cover fire, water, theft, liability, and weather-related losses.

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Think the House in Probate Is Covered? You Might Be Surprised.

Even in good neighborhoods, things can go wrong.

Fire and smoke damage

Arson, electrical failures, unattended systems.

Water damage

Burst pipes, plumbing leaks, roof leaks.

Liability exposure

Injuries to contractors, visitors, or trespassers.

Theft and property loss

Stolen fixtures, appliances, copper wiring. *Requires alarm service.

Wind and storm damage

Tree damage, roof damage, hail, or wind events.

Vacant Probate & Estate Property Insights

A blog offering expert guidance for executors, heirs, and investors managing vacant or inherited real estate.

HOAs, Condos, and Inherited Property: What Executors and Heirs Need to Know

If you inherit a home or condo in a homeowners association (HOA) or condominium association, you may be stepping into more than just a piece of real estate. You could also be taking on fees, rules, restrictions, and legal obligations that many heirs and e...
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Probate and Property Transfers: What Every Executor and Heir Needs to Know

Transferring property after someone dies is not always as simple as handing over the keys. Whether the home was in the decedent’s name, held in a trust, or passed through a Lady Bird or POD deed, the way property transfers after death has major consequenc...
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Special Warning: When Someone Dies, Their Insurance Coverage Often Dies With Them

Many probate heirs and executors assume that if the decedent had homeowners insurance when they died, the coverage continues. But they are often blindsided when a claim is denied, sometimes after a catastrophic loss like a fire or break-in."Coverage denie...
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Who Qualifies for Coverage

Coverage applies to residential properties that have been vacant for 30 to 60 days. Homes must be in good condition and not under active renovation. Eligible properties include single-family homes, duplexes, condos, and manufactured homes. Properties with excessive damage, personal contents, or intended demolition may not qualify.

Coverage Backed by National Carriers

Get fast, reliable protection for your vacant home with access to A-rated insurers, flexible terms, and easy transitions when occupancy changes.

Available in These States

  • Arizona
  • Florida
  • Indiana
  • Michigan
  • Ohio

Licensed agent in other state? ​Learn more about receiving submissions in your state, contact Website Support.

Want to Get a Quote?

Fast, affordable coverage for vacant homes, whether it's probate, an estate, or you're just between tenants.

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