Did you know a standard property insurance policy excludes coverage for homes and commercial properties that are vacant and/or undergoing major renovations. Regardless of the situation you don’t want to leave your investment unprotected and that’s where we come in. With access to an array of “A” Rated carriers and our unique vacant property program, we have a solutions for all of your needs.
Superior Coverage Options
Named Perils Form - Also known as a DP-1 Coverage or Basic Coverage form this type of policy provides basic coverage such as fire, hail, lightning, internal explosion, and other named perils outlined within the policy contract. It's also important to point out that this type of policy settles all losses on an Actual Cash Value basis.
All Perils Form - More commonly referred to as a DP-3 Coverage or All Perils Coverage provides coverage much like a landlord policy and is a named exclusion form instead of a named perils form. This is the most robust coverage form available for vacant properties and includes all the coverage on a Named Perils form and more such as Vandalism/ Malicious Mischief, Water Damage, Replacement Cost Valuation, Residence Burglary, & Optional Theft Coverage (Central Station Burglar Alarm Required)
Full Repair Cost - This is another excellent coverage option if you're looking to keep costs down. Full Repair Cost provides replacement cost coverage on any partial loss however in the event of a total loss the claim would be settled on an Actual Cash Valuation.
Vandalism/ Malicious Mischeif - Adding this type of coverage will protects against losses sustained as a result of an individual or individuals intentionally causing injury or damage to the property.
Premises Liability - This provides coverage from $100,000 - $1,000,000 depending on the option selected if you're found legally responsible for an accident that causes injury to someone on the scheduled premises or causes property damage.
Builder's Risk - If you plan on conducting any renovations to the property we can add coverage for the value of improvements, alterations, repairs, and building materials.
Coverage Options Tailored Specifically To Your Needs
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