Note to the Public, A Boarded Home Does Not Qualify for Vacant Homeowners Insurance

We have received a lot of calls about homes that are either abandoned, boarded up, in disrepair, or all three. We have to note again to the public that our underwriters will not consider a home in this condition for vacant home insurance.

Homes that receive quotes for vacant home insurance need to be in good or better condition, livable in every way, and not in need of any major repair or be under any current construction.

Homes that do not qualify for vacant home insurance for these reasons should investigate their State's "fair plan" insurance solutions that have much lower qualifications. The "fair plan" insurance solutions vary by State and the standards on what they are willing to accept will also vary if vacant homeowners insurance is requested for houses that are no longer occupied.