Vacant Buildings

Insurance companies know that,
without question, a vacant building
stands the greatest claims risk.

Without an individual closely monitoring a structure and its grounds on a day-to-day basis, any number of things can go wrong. To protect yourself against theft, vandalism, and attractive nuisance, it is crucial to invest in comprehensive insurance coverage for your vacant building.

Whether you have a small seasonal rental or an unoccupied industrial warehouse, Fenimore Insurance works closely with you to make sure your unattended and vacant properties are properly insured. The Fenimore Way is to customize, and give you security — even from a distance.

The following properties are eligible for our custom policy program:

  • Residential Homes
  • Commercial Properties
  • Retail Properties
  • Rental Properties
  • Vacation or Seasonal Homes
  • Properties Under Renovation
  • Warehouses

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Protect your future The Fenimore Way.

Why Fenimore

What is the worst-case scenario?
Take your pick:

Hopeful property owners watch their empty structures turn into truly empty investments every single year. This is the sad truth. Because vacant buildings are often not closely monitored, small issues can turn into big problems very quickly. A burst pipe can be much more than a minor situation if there is no one on-premises to notice the problem and put out an alert for required, immediate maintenance. You need to know that your vacant building is covered, especially so when there’s no one keeping watch.

Many individuals dream of owning a vacation home, but what happens when it sits empty for months on end? Consider this: a New Jersey’s man’s life was turned upside down when a young child wandered into the backyard of his unattended shore home. Attracted by a swimming pool, the youth was injured in an accident on the property grounds. The family successfully sued the homeowner, who was hundreds of miles away at the time of the incident. His limited insurance policy denied the claim because the house was technically “vacant.”

We can protect you. Our comprehensive Vacant Properties policy program options include:

  • Property & Contents
  • General Liability
  • Medical
  • Theft
  • Water Damage
  • Flood & Earthquake
  • Criminal Activity
  • Vandalism
  • Equipment Loss
  • Asbestos, Mold & Pests
  • Squatters
  • Debris Removal
  • Pollutant Clean Up


These features represent a few of the policy options we can provide to help you keep you vacant property covered.
Contact Fenimore Insurance today to be matched with the right insurer to meet the needs of your vacant property.

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Connect with our insurance specialists today.