Skip to content Accessibility info

Vacant Dwellings Insurance

Vacant Dwellings Insurance

TD Insurance, established in 1989, has spent the past 31 years providing affordable vacant home insurance to a variety of customers. While homeowners insurance is meant to cover the risks of homeownership, vacant dwellings or unoccupied home insurance covers the risks that arise when a home is unoccupied for a period of time. Customers requiring this type of insurance policy include those attempting to sell a vacant home as well as those who live in Pima or Maricopa County only a few months out of the year.

The Risks of an Unoccupied Home

Risks of vandalism, liability, fire and other damage can increase when a dwelling is vacant. Although standard homeowners insurance often will not cover things such as damages or liability due to intruders in an unoccupied home, a vacant dwelling policy often will.

Available Vacant Dwelling Coverage

We offer several different options for insuring vacant homes. Available coverage includes

  • Named peril coverage to protect against perils such as fire, lightning, explosion and storm damage named in a policy
  • Vandalism coverage to cover damage caused by intruders
  • Liability coverage in the event of an accident on your property for which you are found liable
  • Agreed loss coverage to reimburse you in the event that your home is deemed a total loss as a result of a covered event
  • Actual cash value coverage to cover a partial loss of your vacant dwelling in a covered event

The Best Local Coverage

Although many large, national companies will claim they can provide you with the lowest possible rates, few insurance agencies provide the personalized attention and local service available at TD Insurance. Our local agents take the time to understand your needs before writing any policy. We’ll research to find the best rates for the coverage you need and make sure you aren’t paying for coverage that you won’t use.

Contact us today to learn more about vacant dwelling insurance as well as our other product offerings.