Protect your empty land from liability claims, whether you, an LLC or a trust owns it. We request quotes for you.
Vacant land insurance is liability coverage for empty land, for when someone is hurt on the parcel or a fire starts there. One program we use writes up to 500 acres of undeveloped land with no structures or construction, owned by you, an LLC or a trust, with limits up to $1 million per occurrence and 3, 6, 9 or 12 month terms.
The policy is premises liability for vacant, undeveloped land, up to five hundred acres on one program and a thousand on another: held for sale, held for investment, or waiting on a build. No structures, no construction activity.
Limits run from one hundred thousand to one million per occurrence, paired with medical payments up to ten thousand dollars, depending on the market.
Land with water on it is written differently: one program permits up to one acre of water hazard, and another asks about every lake or pond before it quotes. The broker checks the parcel first.
Policies run three, six, nine or twelve months, with terrorism coverage offered, so a parcel held for a season does not pay for a year it does not need.
Undeveloped land with no structures on it, held for sale, for investment or for a future build, whether you own it yourself or through a business, LLC or trust.
A few questions about your business or home.
We compare carriers and read the forms line by line.
We pick the best policy and get you covered.
Vacant land needs liability coverage even with nothing built on it. A family lot waiting for a future home and an investor's parcel face the same question: someone gets hurt on the land, or a fire starts there. Most owners only look for coverage when a lender, a sale or a first injury raises it; the avoidable mistakes are choosing the wrong acreage or not mentioning the pond.
There is no building to insure, so the policy is premises liability plus medical payments: someone hurt on the land, or a fire that starts on it and spreads.
One program writes up to one acre of water hazard, and beyond that the parcel goes to a market that reviews the pond. The broker asks about water before quoting because the claim will.
Terms run three, six, nine or twelve months, so a parcel held for a season does not pay for a full year.
Construction on the land is excluded. Land under active construction needs a different liability form.
Someone is hurt on your land and brings a claim.
For example a fire that starts on the land and spreads.
Medical bills for someone hurt on the land, up to the limit you choose.
The land must be free of structures.
The policy is liability only.
A project under way needs its own coverage.
Up to 1,000 acres. 500 on one program.
Up to $1M. From 100 thousand, depending on the market.
Up to 1 acre on one program. Others review each pond.
12 months. Or 3, 6 or 9 months.
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
Then it is a vacant property, not vacant land, and it needs a property policy for the building. Start from the vacant property page, which covers empty homes and commercial buildings.
Yes, you can apply. The first question asks who owns the land: you personally (or with family), or a business, LLC, trust or partnership. The answer sets who is named on the application; the same land questions follow either way, and the insurer still reviews every parcel.
No. It covers no structures and no land value: the policy is premises liability plus medical payments, covering injuries to people on the land and damage the land causes, like a fire that spreads.
Up to five hundred acres on one program and up to a thousand acres on another, depending on the market. Give the exact acreage and the broker matches the parcel to a program that takes it.
It can be reviewed. One program permits up to one acre of water hazard, and another asks about lakes and ponds before it quotes, which is why the broker asks about water first.
No. Construction activities are excluded; land under active construction needs a different liability form.
A policy runs three, six, nine or twelve months, with terrorism coverage offered, matched to how long you expect to hold the parcel.
We offer coverage in the states where we are licensed. Begin a quote with the address of your business or risk, and we'll let you know which markets can write that location before you spend much time on the questions.
Tell us about the coverage you need and complete the application. We use those details to approach suitable markets and may ask follow-up questions. Requesting a quote does not put coverage in force.