Landlords Between Tenants
Rentals sitting empty for a long turnover, a repair or a slow leasing season.
Vacant Property Insurance in San Antonio
Coverage for homes sitting empty between tenants, during a sale or an estate, or before a renovation starts, written for the length of the vacancy.
Who It's For
Homes for Sale
Homes listed after the owner has moved out.
Inherited and Estate Homes
Homes sitting empty while an estate is settled or a family decides what to do.
Flips Waiting on Work
Projects closed and waiting on permits or a contractor. Once work starts, builder's risk usually fits better.
What It Covers
Vacant Dwelling
Property coverage for a home that is empty and not under active renovation.
Premises Liability
Liability for injuries at a vacant property, usually a separate policy from the property coverage.
Theft and Vandalism
Often limited on standard policies once a home is vacant. Vacant forms address it directly, with their own conditions.
Fire, Wind and Hail
The core property perils for the structure, with the deductibles and limits shown on the policy.
Texas and San Antonio Details
Standard home and landlord policies often limit some losses, such as vandalism and glass breakage, once a home has been empty for a set number of days, often 60 in a row. Read the vacancy clause on your current policy before the home sits empty.
Vacant policies are usually written for 3, 6 or 12 month terms. If the home has a loan, the lender is listed as mortgagee and may ask for proof of coverage while it sits empty.
When a tenant signs a lease, the property moves to a landlord policy. When renovation starts, builder's risk usually takes over. When it sells, the vacant policy can usually be cancelled at closing.
Common Questions
When Does a Home Count as Vacant?
Policies define it differently. Many treat a home with no one living in it and little or no furniture as vacant. We read your current policy's wording with you.
Should I Get Builder's Risk or a Vacant Policy?
If work is underway, builder's risk usually fits. If the home is empty and not being renovated, a vacant dwelling policy fits better. Some projects move from one to the other.
Does the Policy Cover Liability?
Vacant property forms often cover the building but not liability. Liability for injuries at the property usually comes from a separate policy.
Can I Cancel When the Home Sells or Rents?
Many policies can be cancelled when the property closes or a lease starts, though some carry a minimum earned premium. We confirm the cancellation terms when we quote.
Will My Lender Accept the Policy?
We ask for your lender's insurance requirements up front, including the mortgagee clause and coverage amounts, so the policy matches.
Related Coverage
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