Vacant Home Insurance

Homes can become vacant for many reasons. Maybe you moved out but haven’t sold the property yet, or maybe it’s under renovation. Whatever the cause, Farmers understands and has coverage options for you.

View insurance options for vacant homes

Vacant & Unoccupied Home Insurance Coverage

Finding insurance for your vacant property can be challenging, mostly because a typical homeowners policy probably won’t cover the property after it’s vacated.

The Farmers Vacant Home Program though, offers specialized coverage developed for the unique insurance situation of vacant homes and their owners.

How is Vacant Home insurance different from typical homeowners insurance?

Since no one lives there, vacant homes tend to pose more risks than occupied ones. Acts of vandalism, liability, and fire, for instance, are potentially serious issues with a vacant home. Intruders might get hurt on broken floor boards or old fencing, and file a claim or sue. Some typical homeowners policies won’t cover these types of risks on a vacant property, but vacant home insurance is an option for you.


How much does Vacant Home insurance cost?

The cost to insure a vacant home is based on a variety of factors, including the state it’s located in, the amount of coverage you want, and the home’s risk factors.

A good way to determine how much it would cost, is to request a vacant home insurance quote from a Farmers agent.

Farmers also offers a variety of discounts that could help you save money when you insure your vacant home with us. Check with a Farmers agent to see which discounts are available in your state.

What coverage is offered on a Vacant Home policy?

Named Peril Coverage

We cover "perils" (things like fire, explosion, lightning, wind and hail) that are specifically named in your policy, subject to exclusions and conditions.

Vandalism & Malicious Mischief Coverage

You won’t find this type of coverage on vacant homes with many other insurance providers, but Farmers does offer optional coverage for acts of vandalism and mischief.

Full 12 Month Policy

We offer flexible payment plans and a pro-rated cancellation, subject to minimum earned premium. This comes in handy in case you move back into the home, sell it, find a tenant, or need to cancel for some other reason before your year is up.

Liability Coverage

Optional Liability provides coverage if you're found legally responsible for an accident on the vacant premises, that causes injury to someone or causes property damage.

Agreed Loss Settlement (Total Loss)

If your vacant home is destroyed by a covered loss (a total loss situation), you receive the full amount of insurance you purchased on your home, minus any applicable deductible.

Actual Cash Value (Partial Loss)

In the event of a covered loss (a partial loss or partial damage), this covers the cost to replace or repair your damaged property, with a deduction for depreciation, which reflects the age and condition of your home, minus any applicable deductible.

Landlord Flexibility

If you rent your property, and it goes vacant between tenants, you can cover it with a Farmers Vacant Home policy. When someone moves in, we can easily endorse it to a Landlord or Owner-occupied policy, all without having to cancel the policy or write a new one. (not available in all states)


To obtain a Vacant Home insurance quote for your specific situation, contact a local Farmers agent today.

Vacant Home insurance issued by an insurer in the Foremost Insurance Group, 5600 Beech Tree Lane, Caledonia, MI 49316. Contact a Farmers agent for more information.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.