Vacant Home Insurance


Have you had trouble finding an insurance company to insure your vacant home in North Carolina, Florida, South Carolina, Tennessee, Virginia, or Georgia?

A Vacant homeowners insurance policy from TGI can cover your unoccupied home whether it's for sale, for rent, minor renovations or other reasons. TGI Insurance offers a variety of policies designed specifically for vacant homes.

Don't Get Caught With The Wrong Type of Insurance

When you originally purchased your homeowners insurance, you either agreed in writing or verbally that the home will be occupied. If it is determined that the home was unoccupied when a claim occurs, coverage can be denied. Additionally, most homeowners insurance policies contain specific exclusions and limitations if your home is unoccupied for a duration of more than 30 days.

Normal homeowners insurance policies are designed specifically for owner occupied homes. Only a policy that is designed specifically for a vacant home can cover you in the event you have a claim while your home is unoccupied. Many people are reluctant to switch their insurance during a vacancy because they fear it will cost too much or they won't be able to find coverage. TGI offers a variety of affordable solutions to cover your vacant home.

Who Can Purchase a Vacant Home Insurance Policy?

Almost anyone with an insurable interest in a vacant home can purchase a vacant home insurance policy. Some common reasons are:

  • Houses for sale
  • Homes for rent
  • Real estate investors
  • House flippers
  • Military stationed overseas
  • Anyone else who owns a vacant home

What Does Vacant Home Insurance Cover?

Vacant home insurance is generally available to cover many of the most common perils such as fire, lightning, wind, and even vandalism just to name a few. One other special concern with vacant homes is liability. Our vacant home insurance products can be packaged with liability coverage to ensure you are protected in the event someone is hurt on your property.

Both long term and short term policies are available.

Start Your Vacant Home Insurance Quote Now

TGI can currently cover vacant homes in Florida, North Carolina, South Carolina, Georgia, Tennessee, and Virginia.

Use our online application to quote your vacant home insurance or call us at 1-704-846-1400.

View a Sample Vacant Home Insurance Policy

TGI Insurance Agency is located in Matthews, NC and is licensed in North Carolina, South Carolina, Florida, Georgia, Tennessee, and Virginia

Get A Quote


Call Us (704) 846-1400