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home > Eligibility
Vacant Structure
  • Residential dwellings and commercial buildings
      Completely vacant
      Good condition, properly secured and checked regularly
      Structures must have a value of at least $25 per square foot
      Mobile homes anchored or on a permanent foundation are eligible
      Individual condominiums or townhouse units are eligible
      Maximum of four residential units
      Model homes are not eligible
      Buildings intended for demolition / in the process of demolition do not qualify
· Available nationwide, with exception to AK and HI
      Admitted states: AR, AZ, CO, CT, DC, DE, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV
      Non-admitted states: AL, CA, FL, LA, MS, and NY
· Standard 12 month policy term, with short-term policies (3 and 6) available in many states
· All protection classes eligible
· Property coverage limits of up to $5 million
· General Liability coverage limits up to $1 million
· Basic Form including vandalism
· Special Form including theft and excluding theft
      PC 1-7
      Less than 30 years old
      No prior losses
· If theft is selected:
      Building must have active central station alarm
      Losses from metal or alloys theft are excluded
· Wind coverage available in all coastal states with exception to FL

Wind Zone Coverage Details

AL NC
CT NH
DE NJ
GA NY
LA RI
MA SC
MD TX
ME VA
MS

· Premium installment payments available
      12 month policy: 25 percent minimum retained policy (except in MI); deposit plus three installments
      6 month policies: 50 percent minimum retained policy (except in MI); deposit plus one installment
      3 month policies (not available in IL): 100 percent retained policy (except in MI); no payment installment option available
· Direct bill to customers, with optional credit card payment method


Rental Dwelling
This product is available for well-maintained, one to four family dwellings, including the detached structures, that are occupied by tenants only and have not incurred more than two losses in the past three years and had continuous insurance coverage for the past three years.