Real carrier recommendations from independent insurance agents who have successfully placed vacant buildings, homes, and land.
Finding the right carrier for vacant buildings, homes, and land is one of the most common challenges independent insurance agents face. Based on 42 real placement discussions from working agents, this guide summarizes which carriers are writing this class of business, what underwriting hurdles to expect, and which states have the most active markets.
Standard homeowners and commercial property policies typically exclude or severely limit coverage once a property has been vacant for 30-60 days. Vandalism, squatter damage, and fire risk all increase with vacancy.
The carrier recommendations below aren't theoretical — they come from agents who have actually bound coverage for vacant buildings, homes, and land. The most frequently mentioned carriers are Foremost, Liberty Mutual, American Modern, USLI, BHHC. Scroll down for the full list, state-by-state breakdowns, and detailed agent discussions.
These carriers are most frequently recommended by agents for placing vacant buildings, homes, and land. Rankings are based on how often agents mention each carrier in successful placement discussions.
Our analysis of 42 placement discussions reveals patterns that can help agents place vacant buildings, homes, and land more efficiently:
Data sourced from 42 verified agent discussions. Updated daily as new discussions are captured.
This matrix shows which carriers have been recommended by agents for vacant buildings, homes, and land in specific states. Data is based on 42 real placement discussions — a ✓ means at least one agent has reported placing this risk with that carrier in that state.
| Carrier | AZ | FL | CA | SC | NY | IN | OH |
|---|---|---|---|---|---|---|---|
| Foremost | — | — | — | — | — | ✓ | — |
| Liberty Mutual | ✓ | ✓ | — | — | — | — | — |
| USLI | — | — | — | — | ✓ | — | ✓ |
| BHHC | ✓ | ✓ | — | — | — | — | — |
| Erie | ✓ | ✓ | — | — | — | — | — |
| Auto-Owners | ✓ | ✓ | — | — | — | — | — |
| NEXT | — | — | ✓ | — | — | — | — |
| MiniCo | — | — | — | ✓ | — | — | — |
Based on 42 agent discussions. Carrier availability may vary — always verify with the carrier or your wholesaler. Last updated: July 01, 2026.
Agents in these states have shared placement experiences for vacant buildings, homes, and land.
Real conversations from independent insurance agents about placing vacant buildings, homes, and land. Each discussion includes the original question and agent replies with carrier suggestions.
Browse state-specific carrier recommendations and agent discussions for vacant buildings, homes, and land.
Based on 42 agent discussions, the most frequently recommended carriers for vacant buildings, homes, and land include Foremost, Liberty Mutual, American Modern, USLI, BHHC. Carrier availability varies by state and specific risk characteristics. Surplus lines markets may offer additional options when admitted carriers decline.
Standard homeowners and commercial property policies typically exclude or severely limit coverage once a property has been vacant for 30-60 days. Vandalism, squatter damage, and fire risk all increase with vacancy.
The states with the most agent discussions about placing vacant buildings, homes, and land are Arizona, Florida, California, South Carolina, Pennsylvania. Coverage availability and pricing can vary significantly by state due to regulatory differences and local market competition.
Start by contacting the carriers most frequently recommended by agents: Foremost, Liberty Mutual, American Modern, USLI, BHHC. Many agents also report success through wholesale brokers and MGAs who specialize in this class. The 42 discussions on this page include specific agent experiences with quoting and binding coverage.
It depends on the state and specific risk details. Some admitted carriers do write vacant buildings, homes, and land, but many agents report needing to access surplus lines or specialty markets. States like Arizona, Florida, California tend to have more carrier options based on agent discussions.
Typical coverage needs include general liability, property, and often workers compensation. Depending on the specific operation, agents also discuss commercial auto, professional liability, inland marine, and umbrella coverage for vacant buildings, homes, and land. Review the agent discussions below for specific coverage recommendations.
The carrier recommendations on this page come from 42 real discussions between independent insurance agents with 23 agent replies. Every data point originates from a verified agent community — not marketing materials, carrier websites, or AI-generated content. Data is captured daily and this page was last updated on July 01, 2026. Read our full methodology.