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Vacant Building ​Insurance

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Do you have a vacant building or vacant house in Georgia? Do you have a partially vacant building? The Roberts Insurance Group can help you with your vacant building insurance or vacant dwelling insurance.  Commercial buildings have seen an increased in vacancies or partial vacancies.

Is your insurance carrier cancelling or non-renewing your insurance because all or a part of your building is vacant?  If so, we can help.

There are many reasons why a house or building maybe vacant or unoccupied.
  • The house or building may be up for sale and awaiting settlement
  • You may have just purchased the vacant building and it needs to be renovated before you can move in
  • Maybe the building is in the name of an Estate and nothing can be done with the building until the estate closes
  • The tenant just moved out and you are actively searching a replacement

In these cases, a vacant building insurance policy is needed to provide the necessary protection.
For insurance purposes, there are rating and coverage differences on a vacant/unoccupied building versus an occupied building. Generally, when the building is occupied, losses and damage are generally spotted faster. A pipe that breaks in the middle of the day, maybe found in a few moments, rather than a few days or few weeks later where the damage is much more extensive.

Also, vacant buildings or unoccupied buildings are seen as an attractive nuisance and they are much more susceptible to crime; whether it is the local neighborhood kids looking for a place to hang out, or the thief that is looking to make a few dollars by stealing and selling the copper out of the building.

Each company is slightly different, so read your insurance policy. But generally once the home is unoccupied or vacant for 45-60 days, the coverage is limited on the structure or building only.

You may find that claims are uninsured by up to 15% and that there is no coverage for theft, vandalism, and some types of water claims.
If you have a property that has recently become vacant or unoccupied, read your policy or speak with your licensed insurance professional to see how your coverage will respond. 

At the Roberts Insurance Group we can help you with all types of Vacant Buildings including:
  • Vacant Buildings
  • Partially Vacant Buildings
  • Vacant Condo Units
  • Vacant Leased Space
  • Risks with renovations
  • Residential & Commercial Risk

With a Vacant Building Insurance Policy, there are several options for the policy term. They are:
  • 3 Month
  • 6 Month
  • 9 Month
  • 12 Month

In addition to providing the property insurance coverage for your vacant building, we can also provide general liability insurance coverage in the event that someone is injured on the premises. So in addition to the commercial property coverage insurance, you also need general liability insurance coverage as well.

At the Roberts Insurance Group we understand vacant and unoccupied buildings and we have the companies to meet your needs and give you a yes answer to all of the above questions. Reach out to us today.
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Roberts Insurance Group
64 Academy St
Canton, GA 30114​
(678) 250-8133
Alex@RobertsInsGroup.com

Location

Canton town square photo by Akhenaton06 | CC-BY-SA-3.0 | Website by InsuranceSplash
  • Personal Insurance
    • Vehicles >
      • Auto Insurance
      • SxS/RZR Insurance
    • Property >
      • Home Insurance
      • Landlords Insurance
    • Other >
      • Boat Insurance
      • Wedding Event Insurance
      • Umbrella Insurance
  • Business Insurance
    • Coverage Types >
      • Apartment Owners Insurance
      • Bonds
      • Business Auto - Commercial Auto Insurance
      • Business Liability Insurance - General Liability
      • Business Owners Package (BOP) Insurance
      • Builder's Risk Insurance
      • Commercial Property Insurance Georgia - Commercial Real Estate Insurance Canton GA
      • Commercial Umbrella - Excess Liability Insurance
      • Cyber Liability - Data Breach Insurance
      • Employment Practices Liability Insurance (EPLI)
      • Liquor Liability Insurance
      • Pollution Liability Insurance
      • Professional Liability Insurance
      • Trucking & Transportation Insurance
      • Vacant Building Insurance
      • Workers Compensation
    • Industry Specialties >
      • Auto Body Shop Insurance
      • Auto Dealers Insurance
      • Auto Mechanics Insurance
      • Car Wash Insurance
      • Contractors Insurance
      • Convenience Store - Gas Station Insurance
      • Day Care Insurance
      • Dump Truck Insurance
      • Electricians Insurance
      • HVAC Contractor Insurance
      • Janitorial Insurance
      • Landscaper Insurance
      • Manufacturers Insurance
      • Non Profit Organization Insurance - Religious Organizations - Charities
      • Plumber Insurance
      • Restaurant Insurance - Bar
      • Roofing Contractor Insurance
      • Trucking - Transportation - Cargo Insurance
      • Towing Insurance - Tow Truck
  • Work Comp Cost Control
  • Pricing
  • Blog
  • Contact
    • About
    • Staff Directory
    • Client Testimonials
    • Accessibility Statement