Who insures vacant buildings and land?
Vacant buildings and land is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.
6 markets publicly write vacant buildings and land: US Assure (Vacant Structure Insurance), American Modern Insurance Group, Vacant Express (J.H. Ferguson & Associates / Global Indemnity), Aegis General Insurance Agency (Affordable Housing brand), Prime Insurance Company and others. 2 program administrators, 2 admitted carriers, 1 MGA, 1 E&S carrier. 2 through surplus lines.
By Sam Alishahi, independent insurance broker
Who says they write it
From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.
| Market | What they say they write | Where | Paper | Source |
|---|---|---|---|---|
| US Assure (Vacant Structure Insurance) Program administrator | Vacant property insurance for completely vacant homes and commercial vacant buildings (stand-alone homes, condos, apartment buildings, retail, office, warehouses); page notes California is non-admitted; vacant land not mentioned “Our vacant building insurance is available nationwide (except in Alaska and Hawaii)” | nationwide, except Alaska and Hawaii | not stated | usassure.com · read 2026-10-28 |
| American Modern Insurance Group Admitted carrier | Vacant homes (for sale, under renovation, estate closing) through its vacant-home/dwelling programs; policies written by licensed insurers of American Modern Insurance Group “A property might be vacant because it's for sale, undergoing a renovation, or part of an estate closing.” | not stated | not stated | agents.amig.com · read 2026-10-28 |
| Vacant Express (J.H. Ferguson & Associates / Global Indemnity) MGA | Vacant land (properties with no buildings; residential up to 5 acres, commercial up to 10 acres) with premises liability, plus vacant dwellings and vacant commercial buildings; 3-, 6- and 12-month policies; admitted coverage underwritten by Diamond State Insurance Company (GBLI | Global Indemnity); About page states it is a managing general agent for Diamond State “From your initial purchase to future development, you can trust us to protect your vacant land.” | countrywide except AK and HI (page: 'Premises liability coverage available countrywide (ex. AK and HI)'); AL, FL, LA, MS written non-admitted | Surplus lines | vacantexpress.com · read 2026-10-28 |
| Aegis General Insurance Agency (Affordable Housing brand) Program administrator | Vacant structures, manufactured homes and rental properties under its Affordable Housing brand; page describes Aegis General as a full-service program administrator “Manufactured Homes, Rental Properties, and Vacant Structures nationwide.” | nationwide | not stated | aegisgeneral.com · read 2026-10-28 |
| Prime Insurance Company E&S carrier | Vacant or unoccupied properties, land and homes: single and multi-family dwellings, commercial properties, mixed-use buildings; customized policy whether newly vacant or unoccupied for years “We can insure vacant or unoccupied properties, land, and homes.” | all 50 states (page: 'Prime Insurance Company writes in all 50 states of the USA') | Surplus lines | primeis.com · read 2026-10-28 |
| Foremost Insurance Group (Farmers) Admitted carrier | Vacant home policies including homes for sale, homes for rent, vacant manufactured homes and homes owned by an estate or LLC; landlord policy can be endorsed to vacant “Foremost insures all kinds of vacant homes, including homes for sale, homes for rent,” | not stated (page says verify availability in your state) | not stated | foremost.com · read 2026-10-28 |
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