It’s important to pick the right amount coverage for your individual needs - your wallet will thank you! Vacant homes require a different type of protection than a typical homeowners policy includes because unoccupied, unfurnished properties face different types of risks.
For example, damage could be more costly if vandalism, water leaks, lightning strikes, or fires occur and go unnoticed because no one is present. Most standard homeowners policies have a clause stating that homes are not covered for some of these perils if the home is unoccupied for a certain period of time, so it’s important to get the coverage you need for your investment.
A Vacant (DP-1 Vacant) policy is ideal for:
- Vacant properties
- Unfurnished investment properties that are not currently occupied by tenants
- Inherited homes that are currently empty
- Unoccupied homes in the process of being sold
- Unfurnished rental properties in between tenants
Not exactly sure what the future of your property will be? DP-1 policies can be canceled at no penalty after just 3 months. We also offer a variety of payment plans, including annual, semi-annual, quarterly, eight-pay, and monthly billing offerings.
American Integrity is one of less than a handful of Florida home insurance companies that write vacant homes. As a vacant home insurance specialist, we’ll help you protect your “empty nest” while it’s unoccupied – giving you the peace of mind you need and deserve.
Talk to your American Integrity Agent today about whether a Vacant policy is right for you. To sweeten the deal, we also offer lots of discounts you may qualify for!