Florida Vacant Home Insurance

Homeowners / Primary Home

A Vacant Homeowners Insurance policy is used to insure single-family or duplex residences that are not occupied by anyone. As a result, it creates a higher amount of risk than a standard homeowners policy. Some of these risks include vandalism, theft, and property damage.

Coverage Options

Your insurance agent can help you determine the amount of coverage and options applicable to your individual situation. Our agents at Insurance Warehouses of America can provide you with further details on endorsements providing a package of enhancements that may be available only with certain carriers!

Keep in mind that that the dwelling coverage (Coverage-A on your policy) needs to be sufficient in order to cover removal of debris, the cost of rebuilding your home, and expenses necessary to meet current building code. This is not the real estate or tax appraised value of your home. Your agent has access to software that can help determine the correct Coverage-A for each carrier taking into consideration the current building construction materials and the labor costs in your area. To be certain you have adequate coverage on your personal property, you can complete a home inventory or an itemized list such as the Home Inventory Checklist, along with current photos of your items.

Review Your Policy

We recommend reviewing your policy coverages on an annual basis with your agent. If you are planning to make renovations to your home -- kitchen remodeling or getting a new roof, be sure to get in contact with your agent so that your policy can be updated. Major repairs done to your home and additional enhancements may qualify for a premium credit! The purchase of big ticket items such as jewelry, electronics, or collectibles, may also require riders so, check with your agent to be sure these new items are properly covered.

Florida Vacant Home Insurance Policy Discounts

  • Burglar alarm - Central
  • Fire alarm - Central
  • New house
  • Updated or Renovated home
  • Gated community patrol service
  • Residential sprinkler system
  • Fire resistive
  • Masonry construction
  • Claims free
  • Storm shutters
  • Location based rating
  • Wind Mitigation Report
  • Hip Roof
  • Multiple Policy

If you are looking for a vacant homeowners insurance, Insurance Warehouses of America can help you! Our licensed agents have access to professional software what will help determine the right coverages for your specific needs! Also, they can help explain what discounts your vacation home qualifies for.