Liability only, for land that sits empty
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 in California
Own empty land, covered in days not weeks. Start with the parcel facts the current premises-liability program reviews.
We shop the market for you, no broker fees
Eight relevant markets are shown for comparison. Availability depends on the risk and location, and a logo does not imply a direct appointment.
Green Shield
Vacant land premises liability, to 500 acres
Markel
Specialty premises liability
Kinsale
Excess and surplus premises liability
Great American
Specialty casualty
Philadelphia Insurance Companies
Specialty liability programs
Travelers
Commercial premises liability
Chubb
Commercial premises liability
RLI
Specialty liability
What the vacant land market writes in California
Limits from 100 to a million dollars
Per occurrence limits from one hundred thousand to one million, 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
Three, six, nine and twelve month terms with terrorism coverage offered, so a parcel held for a season does not pay for a year it does not need.
How it works
10 minute 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 is an uncomplicated concept until someone has a question about it. Nobody insures it until the lender, the sale, or the first injury forces that question; the avoidable mistakes are buying the wrong acreage or failing to disclose 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
Water hazard up to one acre is written; beyond that the risk class changes and so does the market. The broker asks about water before quoting because the claim will.
Acreage bands price the policy
From one to five hundred acres in bands, with fenced and posted land, and no trespassing signage all reducing the premium. Three questions decide the price.
Written for California landowners, including:
- 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
Does vacant land insurance cover the land itself?
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?
Three, six, nine and twelve month terms, with terrorism coverage offered, matched to how long you expect to hold the parcel.
Can you write this where my business is?
We are currently licensed in California only. Start a quote if the business or risk is in California, and we will confirm eligibility before you spend time on it.
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.
Ready to compare your coverage options?
Start your application online, or talk with a licensed broker about your situation.