Many States still do not have vacant home insurance on their "export list" for surplus lines coverage. As of 2012, we still know of no name company admitted in the various states that is in the business of providing vacant homeowners insurance. Yes, they may insure vacant homes as an accommodation for existing clients but if the vacant home insurance situation is expect to last for over six months or one year, they will not find the large "brand name" insurance companies quoting them vacant homeowners insurance.
In States where vacant home insurance is not on the Export list, agents are required to seek three no quotes from the large homeowners insurance companies. Because none of them provide vacant home insurance to new clients, any agency you call for their prime insurance company will no quote the vacant home insurance risk.
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