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Vacant Properties
Owning an unoccupied property presents a different set of risks than an active business location. Whether it’s a vacant commercial building awaiting new tenants or a residential property under renovation, Vacant Property Insurance helps protect your investment from losses that standard property policies often exclude.
At Total Insurance Group, LLC, we understand the risks that come with vacant spaces, vandalism, fire, water damage, and even liability if someone is injured on-site. We provide coverage for property owners in Cape Coral, Fort Myers, and throughout Southwest Florida who need temporary or long-term protection while their buildings are unoccupied.
This specialized coverage can include protection for the structure itself, any remaining contents, and even premises liability. Our agents will help you secure coverage that fits your timeline and risk level, ensuring that your investment remains protected while you find tenants, sell, or renovate.
Don’t leave your property exposed, let us help you maintain full protection until your building is back in use.
Frequently Asked Questions
Why isn’t my standard property policy enough?
Most standard policies exclude or limit coverage once a building is vacant for a set period (often 30–60 days).
What does Vacant Property Insurance cover?
It covers the building against fire, vandalism, certain weather events, and sometimes liability claims.
Can I cancel coverage once the property is occupied again?
Yes, coverage can be adjusted or canceled once the property is sold, leased, or reoccupied.