Vacant Property Insurance Quotes In Florida

What Is Vacant Property Insurance?

Vacant property insurance is a specialized policy designed to cover homes that are unoccupied for 30 days or more. Unlike a traditional homeowners policy, which may limit or deny claims once the home is left vacant, this type of coverage provides full protection during the vacancy period.

What Does Vacant Home Insurance Cover?

A typical Florida vacant property insurance policy includes:

1. Property Damage

✔ Protection from fire, lightning, wind, hail, vandalism, and more
✔ Covers structural damage to the home and attached buildings like garages or sheds

2. Liability Coverage

✔ Provides protection if someone is injured on your property during the vacancy
✔ Helps cover legal fees and medical costs

3. Vandalism & Theft

✔ Often excluded from standard policies once a home is vacant
✔ Vacant home insurance can include coverage for intentional damage and theft of fixtures or appliances

4. Optional Add-Ons

✔ Flood Insurance – Critical in Florida’s high-risk flood zones
✔ Builder’s Risk Coverage – If the home is undergoing renovation or construction
✔ Short-Term Vacancy Coverage – Ideal for homes in transition between tenants or owners

Why You Need Vacant Property Insurance in Florida

Unoccupied homes are at greater risk for undetected damage, break-ins, vandalism, and liability claims. Florida’s climate only heightens these risks, with hurricanes, flooding, and humidity posing threats even when the property appears secure. If your current insurance provider excludes or limits coverage while your property is vacant, you could face expensive out-of-pocket losses.

How Much Does Vacant Property Insurance Cost in Florida?

Several factors influence your policy rate:
✔ Property value and location
✔ Length of vacancy
✔ Security measures (alarms, cameras, etc.)
✔ Property condition and construction type
✔ Coverage limits and deductibles

At Florida Best Quote, we compare rates from top-rated carriers to find the best price for your unique situation—whether your home is vacant short-term or long-term.

Get a Free Quote for Vacant Property Insurance in Florida

Don’t leave your property exposed. If your home is sitting empty—whether for weeks or months—let Florida Best Quote help you protect it. Contact us today for a free, no-obligation vacant property insurance quote, and safeguard your investment with confidence.