Insurance For A Vacant Home In New York
Contact Us | About Us

Vacant Home Insurance, Vacant Building Insurance, Vacant Homeowners Insurance

Who We Are:

Vacant Home Insurance Now is a provider of insurance policies for vacant homes, buildings, and properties. We are the premiere source for vacant home insurance policies. Not all insurance companies want to insure vacant homes -- but we do. We are able to offer comprehensive and specialized vacant home insurance coverage for your unique needs.

Free Vacant Home Insurance Quote
Get Your Free Vacant Home Insurance Quote Today

Insurance For A Vacant Home In New York

Vacant Homes in New York can be Difficult to Insure

It does not matter why kind of property you own in New York State; Condominiums, Townhouses, Apartments, or Single Family Homes, all are next to impossible to insure in New York if the property becomes empty or vacant for longer than 90 days. Because these properties in New York City are targets for thieves, vandals, and even the homeless, almost all large insurance companies will not offer insurance. Also, vacant home insurance in New York City means apartments as well. Around the country, not many people would call anything they own themselves an apartment, but in NYC these apartments can eclipse $1,000,000 and they will also need vacant home insurance if they become unoccupied for over 90 days.

For landlords in New York that rent to tenants, if too much times goes by between tenants, they may not be able to continue the landlord insurance policy, and a New York vacant home insurance policy will be needed. Landlords need to check with their homeowners insurance company to see how much time they have before they need vacant home insurance. In some cases it may 30 or 60 days.

In New York, the New York Property Insurance Underwriting Association (NYPIUA), a type of FAIR plan, will provide vacant home insurance but with some conditions and usually with high premium charges. NYPIUA is an association of private insurers that take on riskier properties. For most people looking for vacant home insurance in New York City, this will not be their best option, and FAIR plan type coverage is often very limited and will not be all-risk insurance.

For those looking for vacant homeowners insurance in New York, It will be of no use to contact all the major homeowners insurance companies and the names one would recognize because none of them will provide vacant insurance, but there are usually two or three good programs available in every State that will provide adequate protection on an empty or unoccupied home, and this includes New York.

Return to New York Vacant Home Insurance Policy Quote