Virginia Vacant Property Insurance

Coverage for vacant homes, rentals between tenants, inherited houses, flips, and vacant commercial buildings across Virginia.
Independent, local guidance powered by Ford Agency, Inc.

Serving Virginia property owners for over 85 years through Ford Agency, Inc.

Most carriers define a property as vacant or unoccupied after 30 consecutive days.

Get a Quote – Vacant Home Get a Quote – Vacant Commercial Building
Get a Quote – Flip or Investment Property
Call 804-458-6333
  • Homes or rentals in between occupants or tenants
  • Estate and inherited properties being settled
  • Flips and light renovation projects
  • Small vacant commercial buildings in Virginia
Vacant home in Virginia

Who Needs Vacant Property Insurance in Virginia?

Standard home and commercial policies often limit or exclude coverage once a property becomes vacant. Dedicated vacant home insurance and vacant property insurance help protect your building while it’s unoccupied.

  • Homes listed for sale and not currently occupied
  • Rental properties between tenants or under eviction
  • Estate and inherited properties being settled
  • Properties under light renovation or cosmetic updates
  • Second homes that will sit empty for a period of time
  • Landlords with occasional vacancy between leases
  • Small vacant commercial or mixed use buildings
  • Office or retail spaces awaiting new tenants
  • Older buildings held for future redevelopment
  • Properties where lenders require proof of coverage
  • Owners who temporarily move out for work or family
  • Other Virginia properties that will be vacant for 30+ days

We can help with vacant dwelling insurance, vacant home insurance in Virginia, and unoccupied property insurance for both personal and commercial buildings.

What Vacant Property Insurance Is Not

Vacant property insurance is designed for homes and buildings that are not occupied. It is often different from standard policies.

Not standard homeowners insurance

Standard homeowners policies may restrict coverage after a home is vacant or unoccupied for a period of time.

Not landlord insurance with tenants living there

If the home is currently occupied by a tenant, most cases fit a landlord policy rather than a vacant policy.

Not major construction coverage

Structural renovations or major construction may require a different insurance approach depending on the scope of work.

How the Process Works

A simple process to help you find options for vacant homes and buildings in Virginia.

1) Share property details

Tell us the address, property type, vacancy length, and your plans for the property.

2) We compare carriers

We review available markets based on eligibility guidelines and coverage needs.

3) Place or coordinate coverage

We can help identify options now and coordinate with your future policy when the property becomes occupied again.

What Does Vacant Property Insurance Cover?

Vacant property policies can be tailored to the type of building, length of vacancy, and lender requirements. Typical features include:

Fire & Major Perils

Protection for covered losses such as fire, lightning, explosion, and other specified perils while the home or building sits vacant.

Vandalism & Malicious Mischief

Optional coverage for damage caused by vandalism or malicious acts, which can be more common when a property is unoccupied.

Named or Special Perils

Policy options that focus on specific listed causes of loss or broader special peril coverage, depending on the property and carrier.

Liability Options

Coverage for certain third party claims that may arise from conditions on the property, subject to carrier guidelines.

Flexible Terms

Policies designed for shorter vacancy periods or longer term unoccupied situations, depending on your plans for the property.

Lender & Contract Requirements

Help identifying policy options that may satisfy lender or contract insurance requirements related to vacant property insurance.

Vacant Property Carriers We Work With

As an independent agency, we can compare options from multiple carriers that write vacant homes and buildings in Virginia. Carrier availability depends on property type, condition, and vacancy length.

Why Work with VacantPropertyInsuranceVA.com?

  • Independent agency options. Access to multiple vacant property carriers instead of just one company.
  • Vacant home & building experience. Familiar with underwriting requirements for both personal dwellings and small commercial buildings.
  • Virginia focused. Local guidance powered by Ford Agency, Inc., serving Virginia for over 85 years.
  • Clear expectations. Help understanding what is and isn’t covered on a vacant policy so there are fewer surprises at claim time.
  • Simple quote process. A few key questions about the property, how long it will be vacant, and your plans for it.
“They made getting vacant home insurance simple and fast. We had coverage in place for the empty house between tenants and our lender was happy.” — Virginia landlord
“Responsive, professional, and easy to work with on both our personal and investment properties. We appreciate having a local agency we can call.” — Virginia property owner

Request a Virginia Vacant Property Insurance Quote

Share a few details about your vacant property, how long it will be unoccupied, and your plans for it. We will shop multiple carriers to find options that fit your situation.

  • Vacant home and vacant building options for Virginia owners
  • Short term and longer term policy structures available
  • Help coordinating coverage with existing or future policies
Get a Quote – Vacant Home Get a Quote – Vacant Commercial Building Get a Quote – Flip or Investment Property

Powered by Ford Agency, Inc.

210 N 2nd Ave
Hopewell, VA 23860

Phone: 804-458-6333
Email: contact@fordag.com

Service Area: Vacant homes and buildings across Virginia.