Vacant Building Insurance
Most commercial property policies limit or exclude coverage once a building has been vacant for 60 days. Empty buildings face higher risk of vandalism, theft of copper and fixtures, squatters and undetected water leaks. Pacific Southwest Insurance Services finds vacant building coverage so your property stays protected while it’s empty.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
Our vacant building clients include:
- Buildings between tenants
- Properties listed for sale
- Buildings awaiting renovation or demolition
- Inherited or foreclosed properties
- Closed businesses
- Partially vacant buildings
Coverage Options
- Building coverage: Covers fire, wind and other named perils while the building is vacant.
- Vandalism and malicious mischief: Available on many vacant policies with the right protections.
- Liability: Protects you if someone is hurt on the property.
- Renovation coverage: Can extend to buildings under renovation.
- Flexible policy terms: Short-term policies available for 3, 6 or 12 months.
What Affects Your Premium
Every property is different. Carriers typically look at:
- How long the building has been or will be vacant
- Building size and construction
- Security: fencing, alarms, boarding
- Utilities on or off
- Plans for the property
- Location
- Prior claims
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial property carriers, including markets for hard-to-place risks
- Fast certificates of insurance and lender evidence of property
- One agency for your property, general liability, commercial auto, bonds and more
- A real person answers the phone and knows your account
Common Claims We See
- Vandalism and graffiti: Empty buildings attract vandals.
- Copper and fixture theft: Thieves strip wiring, plumbing and fixtures.
- Squatter fires: Trespassers can start fires inside empty buildings.
- Unnoticed water leaks: Leaks can run for weeks before anyone notices.
Tips for Owners of Vacant Buildings
- Secure doors and windows and remove anything of value.
- Inspect the building regularly and keep a log.
- Shut off water when it isn’t needed.
Frequently Asked Questions
What happens if my building becomes vacant on my regular policy?
Many policies reduce or deny claims for vandalism, water damage and theft after 60 days of vacancy. Call us before that happens.
Can I get a short-term policy?
Yes. We can write coverage for a few months while you find a tenant or buyer.
Does renovation count as vacant?
It can. Tell us your plans so the right coverage is in place.
Can I get liability coverage on a vacant building?
Yes. Liability covers injuries to people on the property, such as visitors or contractors.
What if I plan to sell or lease the building soon?
Short-term vacant policies are available. When the building is occupied again, we’ll switch it to a regular policy.
Other Properties We Insure
- Office Building Insurance
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Warehouse & Distribution Center Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Self-Storage Facility Insurance
- Builder’s Risk Insurance
- Restaurant & Bar Property Insurance
- Contractor Shop & Yard Insurance
- Auto Repair & Body Shop Insurance
- Hotel & Motel Insurance
- Church & House of Worship Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Landlord & Rental Property Insurance
- Business Tenant Insurance
- HOA & Condo Association Insurance
- Commercial Real Estate Investor Insurance
- Commercial Earthquake Insurance
- Business Interruption Insurance
- Equipment Breakdown Insurance
- Commercial Flood Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get a Vacant Building Insurance Quote
Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.
Get a Free Quote
Tell us what you need and a licensed agent will follow up, usually the same business day.