Vacant Property

Home & Property > Vacant Property

A homeowners policy isn’t designed to protect a vacant home.  If an insurance carrier finds out you’re insuring an unoccupied home with a homeowners policy, you may end up with a reduction in your coverage, or even a denied claim.  There are reasons why a homeowners policy isn’t designed to protect a vacant home.  But American Modern welcomes vacant properties, and can provide you with vacant home insurance at competitive rates.

You can trust American Modern to provide quality vacant home insurance. 

• Your choice of a 3-, 6-, or 12-month policy term.   If you think or know your home will only be vacant for three months, why buy a 12-month policy?  We offer you the flexibility you are looking for.
• Competitive rates for vacant home insurance.  While our rates are competitive with other vacant insurance providers, here is why the premium is usually higher on vacant property insurance versus a homeowners policy.
• Fast claims service.  Hopefully this is something you’ll never need to experience.  But if you do, American Modern settles 90% of our property claims in 30 days or less. 

Here are some details on coverages we provide for vacant homes.  We also provide coverage for vacant manufactured homes.

Save on your vacant home insurance.

American Modern recently reduced our premiums for vacant property insurance.  In some states, you can now save up to 25% when comparing last year’s rate to this year’s rate*.  You can also opt for a higher deductible, which helps you save money.

There are many reasons a home you own may need vacant insurance:

• You’ve moved, but your home is unsold.
• A property you own is being renovated.
• You rent out the house, but are between tenants.
• You are selling a house to close an estate.
• You purchased the home from a foreclosure sale.

We offer vacant insurance for all the following types of homes and situations:

• Standard homes of any age valued up to $500,000 ($1 million in select states)
• Manufactured homes valued to $500,000
• Modular homes
• Investment properties

A company you can trust. 

• The companies of American Modern are rated A+ (Superior) by A.M. Best. This means we are financially stable, and you can trust us to be here if you ever need us.
• More than 1.3 million customers countrywide. 
• In a survey of our customers, 9 in 10 said they plan to renew their policy protection.

Read more about American Modern, including some customer testimonials.

American Modern can provide you with a vacant home insurance quote that meets your needs.

More Information...

• Policy Details
• How to Save
• FAQ