Vacant Property Insurance

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You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Vacant Property Insurance

If you’re an insurance producer looking to write more business and provide insurance solutions to your clients who have vacant property or land, then Prime Insurance Company is the partner for you. As a leading excess and surplus lines insurance company, Prime can write vacant property insurance with confidence.

With commercial property vacancy at an all-time high, there are new issues, especially in strip malls and other types of commercial properties. When a tenant leaves a space vacant, repairs and liabilities are sometimes shared amongst the remaining occupants, thus creating new risks and scenarios every day for the vacant property. We can address those gray areas of coverage.

Prime can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. We can insure vacant or unoccupied properties, land, and homes. Whether the property is newly vacant or has been unoccupied for years, we can write a customized insurance policy to fit your client’s needs. 

Prime has over 40 years of experience, making us one of the best vacant property insurance providers out there. Many vacant property insurance companies are turning away individuals and businesses that are deemed too risky, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a policy that ensures maximum protection.

Property Type (who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients of the following:

  • Single and multi-family dwellings
  • Commercial properties
  • Mixed-use buildings
  • May include coverage for other structures on the property such as pools, decks, sheds, fences, and more

Comprehensive Coverage

  • Flood
  • Theft
  • Vandalism
  • Excess liability
  • TRU Umbrella
  • Wind
  • Earthquake
  • And more

Prime Features

  • Our program is designed for flexibility with 1, 3, 6, 12-month policy terms and up to $10M in Property TIV limits
  • Coverage can be customized to the applicant’s need
  • Actual Cash Value (ACV) and Replacement Cost (RC) coverage available
  • No volume commitment
  • Responsive claims service and expert claims management
  • General Liability coverage available


Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Vacant property insurance is our expertise! 

In-House Teams

We have it all – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

Common Causes of Vacant Property Claims

Despite being vacant or unoccupied, these properties pose several risks that the standard market does not want to cover or insure. Here are some common causes of vacant property claims:

  • Arson or vandalism
  • Burglary or theft
  • Slips and falls
  • Weather-related property damage (fire, flood, earthquake, etc.)
  • Lack of maintenance (heating systems, plumbing, electrical, etc.)


As your insurance partner, Prime can provide risk management expertise to help prevent accidents and incidents from occurring. Should a claim occur, we will be there to help every step of the way.

Vacant Property Insurance Providers and Prime Insurance

Looking for the best vacant property insurance provider? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a healthy relationship.

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient insurance company for vacant property insurance and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you.

About Prime Insurance Company

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

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**The most current Financial Stability Rating® must be verified by visiting

Get A 'Vacant Property' Quote

Prime Insurance Company provides fast quotes 24/7. Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call to get it done! To finalize pricing we require a phone call with the owner/applicant. Get started with your vacant property insurance quote today by clicking the “Get a Quote!” button above.

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.