Liability only, for land that sits empty
The policy is premises liability for up to five hundred acres of vacant, undeveloped land: held for sale, held for investment, or waiting on a build. No structures, no construction activity.
Vacant Land Insurance
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. The 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.
- Who qualifies
- Undeveloped land up to 500 acres with no structures, no construction and no activity, owned by you, an LLC or a trust
- Typical limits
- Up to $1 million per occurrence and $2 million aggregate, with medical payments from $500 to $10,000
- Terms
- 3, 6, 9 or 12 months
- Programs we use
- A specialty vacant land program written on standard ISO forms, with no photos or inspection required
We shop the market for you, no broker fees
What the vacant land market writes
Limits from 100 to a million dollars
Limits run from one hundred thousand to one million per occurrence, paired with medical payments from five hundred to ten thousand dollars.
Water changes everything
Land with water on it is written differently: up to one acre of water hazard is permitted, and more than that needs a different market. The broker checks the parcel first.
Short terms that match the hold
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.
Is your land a fit?
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.
Usually a fit
- Land up to 500 acres
- Up to one acre of water
- Held for sale or investment
- Waiting on a future build
Usually declined or referred
- Structures on the land
- Active construction
- Mines, wells or quarries
- Past dump or landfill use
- Landslide or brush fire areas
How it works
One short form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Quote and bind
We pick the best policy and get you covered.
The lender asked for liability on dirt
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.
It is liability, not property
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.
The pond is the question
Up to one acre of water hazard is written, and beyond that the risk class changes and so does the market. The broker asks about water before quoting because the claim will.
Terms that match the hold
Terms run three, six, nine or twelve months, so a parcel held for a season does not pay for a full year.
No construction activity
Construction on the land is excluded. Land under active construction needs a different liability form.
What vacant land insurance covers
Usually covered
- Injuries on the land
Someone is hurt on your land and brings a claim.
- Damage the land causes
For example a fire that starts on the land and spreads.
- Medical payments
Medical bills for someone hurt on the land, up to the limit you choose.
Not covered, and where to find it
- Buildings and structures
The land must be free of structures.
- The value of the land
The policy is liability only.
- Construction activity
A project under way needs its own coverage.
What the markets write
- 01
Largest parcel
500 acres
- 02
Liability per occurrence
Up to $1M. From 100 thousand, depending on the market.
- 03
Water on the land
1 acre
- 04
Longest term
12 months. Or 3, 6 or 9 months.
Written for landowners, including:
- Land you own yourself or with family
- Land held by a business, LLC, trust or partnership
- Vacant, undeveloped land to 500 acres
- Land held for sale or investment
- Land awaiting future construction
- Parcels with up to one acre of water
- Land that is 100 percent not in use
- Three to twelve month terms
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- Acreage band, from 1 to 10 up to 401 to 500
- Water hazard, up to one acre permitted
- Fenced and posted, no trespassing signage
- Liability limit chosen
- Prior losses or claims on the land
Questions we get asked
What if there is a house or building on the land?
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.
Can I insure a lot I own personally, not through a business?
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.
Does vacant land insurance cover the land itself?
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.
How many acres can be insured?
Up to five hundred acres of vacant land in bands from one to ten acres up to four hundred one to five hundred.
Can the land have a pond or creek?
Up to one acre of water hazard is permitted. More than that needs a different market, which is why the broker asks about water first.
Does construction activity count?
No. Construction activities are excluded; land under active construction needs a different liability form.
How long does a policy run?
A policy runs three, six, nine or twelve months, with terrorism coverage offered, matched to how long you expect to hold the parcel.
Can you write this where my business is?
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.
What happens after I start a quote?
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.