Vacant Home Insurance

Make the Foremost Choice® for your vacant home insurance. We specialize in insurance policies that you can customize with you and your home in mind. Start a quote today.

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Online requests will be sent via email within 2-3 business days.

We are unable to provide an online quote for your state. Please visit the agency locator to find an agent in your area.

Whether you're moving, renovating, or putting your home up for sale, you purchase a Foremost® Insurance policy for your unoccupied dwelling. You can have the option to renew your policy, without getting stuck paying for a longer term than you want. If your home becomes occupied, you can cancel your vacant home insurance policy and get a pro-rated refund.

Vacant Home Insurance Coverage

See the coverages under a vacant home policy from Foremost.

Named Peril Coverage

Coverage for "perils" (fire, explosion, lightning, windstorm and hail damage) which are specifically named in your policy, subject to policy exclusions and conditions.

Vandalism and Malicious Mischief Coverage

Some companies don't offer this important coverage on an unoccupied home, but we do.

Liability Coverage

This provides coverage if you're found legally responsible for an accident that causes injury to someone who doesn't live in your home or causes property damage to another's property. Liability coverage is optional with a Foremost vacant dwelling policy.

Replacement Cost

If you purchase a replacement cost policy and your vacant home is destroyed by an insured loss, the settlement reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation.

Comprehensive Property Coverage

Coverage for most direct, abrupt and accidental physical losses that aren’t specifically excluded in this policy. In many states, we offer comprehensive coverage on both the dwelling and other structures, such as a garage.

Agreed Loss Settlement

If your vacant home is destroyed by an insured loss, you receive the full amount of agreed upon insurance for your home (minus any applicable deductible). No hassles.

Actual Cash Value

If your vacant home is destroyed by an insured loss, this provides coverage for the cost to replace or repair your damaged property, with a deduction for depreciation, which reflects the age and condition of your home.

Customizable Policies*

Our base policy for vacant homes covers the dwelling itself. Want more coverage? No problem! You can customize your policy by adding coverage for other structures, your personal belongings, liability coverage, and much more.

*Please verify availability in your state and program.

Vacant Home Insurance Discounts

Here are just a few of the ways your can save money by choosing Foremost:

Multi-Dwellings

Applies when you insure more than one dwelling with us.

Multi-Policy

Applies when you insure another product with us such as a travel trailer, auto, or motorcycle.

Age of Home

Newer homes qualify for a higher discount.

Vacant Home Insurance FAQ

Have questions about vacant insurance? We have answers!

Vacant House Insurance is insurance for a house that has been unoccupied for a certain amount of time – usually 30 days. Most standard homeowners policies limit coverage if a house is unoccupied. Vacant insurance offers specialized coverage for as long as you need it.
Homes become vacant for many different reasons. Maybe you’re a landlord and your property is between tenants. Maybe you’ve bought a new home and haven’t sold your previous home yet, or maybe you’ve inherited a house and haven’t decided what to do with it. Vacant coverage is important any time the home is unoccupied beyond a certain period of time, which varies by state.
A home is considered unoccupied if no one has lived in it for a certain amount of time – usually 30 days. However, the amount of time varies by state.
If you’re a landlord and your home is between tenants, Foremost’s Vacant Insurance policy is a great solution. You can insure the dwelling in our landlord program, and then we can move it to a vacant policy through an endorsement – no need to cancel the old landlord policy. Then, when the home is rented again, we can move it back to a landlord policy. We make it easy for you to move your coverage back and forth.
Foremost offers flexibility with you in mind. You select and purchase the coverages you choose, because we know that insurance isn’t a “one-size-fits-all” product.
We insure dwellings with a very wide range of ages, values and conditions, both site-built and mobile homes!
It’s recommended that you consult with an insurance professional or agent to determine your options for insuring your risk. Find an independent agent in your area with our agency locator.

Pro-Rated Cancellation

We offer an annual policy, with a pro-rated refund if you cancel during the term (subject to a minimum earned premium).

Broad Eligibility

Foremost insures all kinds of vacant homes, including homes for sale, homes for rent, vacant manufactured homes, and homes in the name of an estate or an LLC.

Start the journey to A Better Insurance Experience® with a quote for vacant home insurance

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Not all products, coverages and discounts are available in all areas and may vary. Restrictions, exclusions, limits, and conditions apply. The information provided on or through this website does not alter the coverages in any policy you purchase. Please read the policy documents to check the coverages that you've selected.

Flood insurance policies offered by Foremost are underwritten by the National Flood Insurance Program (NFIP), a component of the Federal Emergency Management Agency (FEMA). Contact a Foremost representative for details.

Oregon Customers: Foremost does not offer discounts related to wildfire risk mitigation.

For the programs listed below, advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by the following entities, which are a part of the Farmers Insurance Group of Companies®:

Foremost Choice® Property & Casualty: Foremost Insurance Company- Grand Rapids, Michigan, Foremost Property and Casualty Insurance Company, Foremost Signature Insurance Company, Foremost County Mutual Insurance Company and Foremost Lloyds of Texas comprise the Foremost Insurance Group. Home office, Caledonia, MI.

Foremost SignatureSM Auto & Home: Farmers Property and Casualty Insurance Company, Farmers Casualty Insurance Company, Farmers Group Property and Casualty Insurance Company, Farmers Direct Property and Casualty Insurance Company, Farmers Lloyds Insurance Company of Texas, Economy Preferred Insurance Company, Economy Fire & Casualty Insurance Company. Home office, Warwick, RI.

Bristol West® and Bristol West Insurance Services of California, Inc.: Bristol West Casualty Insurance Company, Bristol West Insurance Company, Bristol West Preferred Insurance Company, Coast National Insurance Company, Security National Insurance Company, Foremost Insurance Company Grand Rapids, Michigan, Foremost County Mutual Insurance Company. Home office, Sunrise, FL.

Each insurer has sole financial responsibility for its own insurance. List of all insurers and states where licensed can be found at foremost.com/companies.

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