Vacant Home Insurance


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As an independent insurance agency, we are associated with over 50 top rated insurance companies that offer the products that most appropriately meet the needs of our clients. Contact us today for a FREE quote!

Independent Agency

Unlike a captive agency that only represents one company, we are an independent insurance agency allowing you the choice of company, policy, and pricing. Our team is staffed with proven professionals to help guide you through the quoting process. We find the coverages you need at the prices you want. Once you become a client we are committed to providing you with the quality service you expect.

Insurance Policy

Customize Your Coverage

When you insure with us you have choices! Quote over 50 top rated insurance companies and choose the coverages you want and need when insuring your assets.

Vacant Home

Best Price Available

We quote all of our companies to ensure we are finding you the coverage you want at the best price possible. Our team continues this effort by checking rates at each policy renewal!

Vacant Home

Claims Service Team

Our service team is here to help! From start to finish we will guide you through the claims process and keep communications open to service you – our client.

Vacant Home Insurance

When it comes to protecting your unoccupied property, vacant home insurance plays a crucial role. Whether you have inherited a vacant property, are renovating your home, or have a second property that is vacant for an extended period, having the right insurance coverage is essential. Vacant home insurance is a type of insurance policy specifically designed to protect unoccupied properties. It provides coverage for risks typically associated with vacant properties, such as vandalism, theft, fire damage, and liability issues. It ensures you have financial protection in case unforeseen events occur while your property is vacant.

Vacant properties face unique risks that differ from those occupied on a regular basis. Standard homeowners insurance policies often exclude or provide limited coverage for unoccupied homes, leaving them vulnerable to potential damage or liabilities. Vacant home insurance fills this gap, giving you peace of mind knowing your property is protected.

Vacant home insurance differs from regular homeowners insurance primarily because it is tailored to the specific risks associated with unoccupied properties. While standard homeowners insurance typically covers liabilities and damages related to occupied homes, vacant home insurance accounts for the increased risks of vandalism, theft, and fire incidents in idle properties. A comprehensive vacant home insurance policy typically covers various risks and incidents, including:

– Vandalism and malicious acts: Provides coverage for damages caused by vandalism, theft, or trespassing on your vacant property.

– Fire and smoke damage: Protects your property from fire-related risks, such as damage caused by fire, smoke, or explosions.

– Liability coverage: Offers financial protection in the event a third party gets injured on your vacant property and holds you liable.

– Property damage: Covers structural damages to your vacant property resulting from incidents like storms, hail, or falling objects.

– Loss of rental income: Some policies may cover loss of rental income if you were renting out the property before it became vacant.

It is essential to review the specifics of each policy, as coverage options may vary among insurance providers. Finding the right vacant home insurance policy requires careful research and consideration. Here are a few steps to help you in the process:

– Assess your needs: Determine the length of time your property will be vacant, its value, and the specific risks it may face.

– Compare insurance providers: Request quotes from multiple insurers to compare coverage options, deductibles, and premiums.

– Evaluate the policy terms: Carefully review the policy details, limitations, and exclusions to ensure it aligns with your specific needs.

– Consult an insurance agent: Seek guidance from our experienced insurance agents who can provide expert advice and help you navigate the available options.

Protecting your vacant property with vacant home insurance is a wise and responsible decision. By understanding the importance of this specialized insurance and addressing common questions, you can confidently select a policy that safeguards your property from unexpected incidents. Take the necessary steps today to ensure the long-term protection of your vacant home.

Insurance Services

At Insurance Group of Minnesota LLC, our policies are tailored to meet the unique needs of each customer. We offer flexible coverage options, competitive rates, and exceptional customer service to ensure that our clients have the peace of mind they need to enjoy their home with confidence. Our vacant home insurance products can provide additional insurance coverages including:

    • Vacant dwelling coverage
    • Property damage coverage
    • Liability coverage
    • Vandalism coverage
    • Theft coverage
    • Fire and smoke damage coverage
    • Windstorm and hail coverage
    • Water damage coverage
    • Liability coverage for injuries on the property
    • Loss of use coverage
    • Personal property coverage
    • Additional living expenses coverage
    • Medical payments coverage
    • Extended replacement cost coverage
    • Ordinance or law coverage
    • Short-term and long-term policy periods
    • And more!

    Learn More

    With countless options and so much jargon to sift through, navigating the world of insurance can be daunting. But fear not! Our team of experts is here to help you learn more about insurance and the multiple companies and products available to you. View our Blog page to read more!