Vacant Property Insurance in Florida
Leaving a house empty—even for a few weeks—raises the odds of fire, storm, or vandalism losses that a standard homeowners or landlord policy may refuse to pay. A dedicated vacant property policy keeps your investment protected while it sits unoccupied.
What Makes Vacant Home Coverage Different?
Full property damage protection for the dwelling and attached structures against fire, lightning, wind, hail, and other named perils.
Liability insurance in case a visitor, contractor, or trespasser is injured on the premises.
Vandalism & theft coverage for intentional damage or stolen fixtures and appliances—often excluded once a home is vacant under regular policies.
Optional endorsements to fit Florida risks:
Flood insurance for high-risk zones
Builder’s risk if renovations are under way
Short-term vacancy coverage for brief turnover periods between tenants or owners
Why Empty Homes Need Special Protection in Florida
Unmonitored damage — a small roof leak can become major mold before anyone notices.
Hurricane exposure — boarded-up windows help, but wind-driven debris can still breach the structure.
Increased break-in risk — empty homes attract thieves and vandals.
Policy gaps — many carriers reduce or void coverage after 30 days of vacancy.
Cost Factors
| Factor | Impact on Premium |
|---|---|
| Property value, age, and construction type | Higher rebuild costs raise the rate |
| Location & flood zone | Coastal and low-lying areas cost more |
| Length of vacancy | Longer vacancies = higher risk |
| Security features | Monitored alarms and cameras can lower the price |
| Desired coverage limits & deductibles | More coverage or lower deductibles increase cost |
Get a Free Quote
Whether your Florida home is awaiting a sale, under renovation, or simply between renters, Florida Best Quote shops multiple A-rated carriers to find affordable protection tailored to your timeline and risk profile. Call or click today for a no-obligation vacant property insurance quote and safeguard your empty home
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