Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

Tips for Protecting Vacant Homes | Personal Lines Insurance Product Highlight

Published on October 1, 2018

wholesale vacant home insurance dwelling fire Abram Interstate CA CMGA

As the summer moving season is drawing to a close, the stragglers remain — the houses that families have moved out of, but are still on the market, sitting vacant as they wait. 

But those aren’t the only vacant homes out there right now. Houses can be vacant for a number of reasons. The house could be under renovation. It could be a rental property that is in between tenants. Or the owners could be on an extended vacation that warrants a vacancy long enough to need different insurance coverage.

Whatever the case for the vacancy, Homeowners or Commercial Property Insurance policies don’t extend to vacant dwellings or vacant properties, so when a vacancy occurs, your insurance customers need to know that a different coverage is needed.

FOR YOU (Insurance agents): We have a vacant property and Vacant land market for you! See details below!

FOR YOUR INSURANCE CUSTOMERS: Share these tips with them for taking care of their vacant risk (from Safewise.com)

Simple Ways to Protect Your Vacant House

Use exterior lighting.

Fortify your home against intruders by improving your home’s exterior lighting. A combination of lights on timers and motion activated lights will deter burglars. Be sure that the entrances of your home are well lit, and don’t neglect the sides of your home where intruders are less likely to be noticed. Sheds and detached garages should also be outfitted with exterior lights.

Identify a local contact.

If it’s no longer convenient for you to visit your home on a regular basis, then ask someone like a friend, relative or neighbor to do so for you. If need be, pay someone to perform the service. 


Alert law enforcement.

Don’t hesitate to alert your local law enforcement agency that you’ve moved out. Provide them with a list of anyone that is authorized to be on your property, and ensure they have your contact number. You’ll also want to give them the name, number and address of a local contact in case you can’t be reached. 

Read the rest of their tips HERE.



Vacant Dwelling Program

Basic form available. From $50,000 up to $3,000,000 TIV or $1,000,000 Total Coverage A.

  • All protection classes acceptable in programs
  • 3, 6, 9 or 12 month policies available.
  • Vacant Property
  • Vacant Land
  • Dwelling Fire
  • Builders Renovations
  • Ground up Course of Construction

Quote Vacant Property Online HERE.

Quote Vacant Land Online HERE.

New users contact marketing@abraminterstate.com to request a user name and password

Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas.

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