Vacant Home Insurance

Vacant Property Insurance in Alabama & Mississippi

Do you have a home or other property that is vacant? Perhaps you want to move but worry about leaving it empty while you sell or improve your current dwelling. Maybe you have commercial property that needs to be upgraded or put on the market. Vacant property insurance from CIS Insurance Agency can help you cover the risks related to owning empty buildings. Our experienced, independent insurance agents work with property owners like you regularly. We’ll learn about your needs and shop our extensive network of providers to help you find an economical solution.

Risks Associated with Vacant Property

Certain property-related risks increase when a house or other building sits vacant. Unfortunately, standard homeowners insurance and many business property policies will not cover damages due to intruders in an unoccupied building or storefront. Fortunately, a vacant property insurance policy will.

Customizable Vacant Property Insurance

Since vacated properties in Alabama and Mississippi don’t come with heavy liability coverage or risks, many vacant property policies cost less than insurance for standard homeowners coverage or business property insurance. Your insurance needs are influenced by a number of variables, including the type of property you need to insure. CIS Insurance Agency agents will work with you to identify the ideal coverage options for your needs. Popular coverage included in vacant property policies includes

  • Named peril coverage for protection in the event of fire, explosion, storm-damage or other risks named in a given policy
  • Vandalism coverage to help pay for damage caused by intruders
  • Limited liability coverage to protect you in the event that you are held liable for an accident on the insured property
  • Agreed loss coverage in the event of a covered catastrophe that renders your property a total loss
  • Actual cash value coverage options for losses due to a covered event

Don’t pay too much for the wrong coverage. If you own or may soon own vacant property of any kind, request a free insurance quote from CIS Insurance Agency. If you own it, we’ll help you find a way to insure it.