Vacant Property

Buildings that are vacant for extended periods of time are susceptible to vandalism, theft, and arson, often due to a reduction in maintenance and security oversight. Many property owners are surprised to learn that if their property is vacated, coverage becomes void after sitting empty for a designated span of time. Griffin has a number of markets - for both residential and commercial risks - and coverages to ensure that all types of vacant property receive the broadest form possible with the least expensive premium.

Product Features
  • 3, 6 and 12 month terms available
  • 25% minimum earned on some 12mos. terms
  • Monoline or package policies available
  • Special Form can be available if building is newer or updated


  • Building coverage
  • Basic, Broad, or Special Form available
  • Replacement cost/actual cash value
  • TIV in-house limits up to $4,000,000, higher limits available through brokerage markets

General Liability:

  • Primary limits up to $2,000,000
  • Medical payments up to $10,000
  • Additional Insureds available
  • Coverage limited to designated premises
  • Excess/Umbrella limits up to $25,000,000
  • A no-deductible option is available
Eligible Risks
  • Foreclosed properties, if owner has moved
  • In-house authority if vacant for 2 years or less, can write long term vacancies with carrier referral
  • Vacancies with remodeling exposure
  • No bankruptcies
  • Under renovation

Personal Lines Dwelling Fire - For residential risks, to place coverage on a Dwelling Fire coverage form, see this product instead. Submit Vacant Questionnaire along with ACORD 84 Dwelling Fire application.

Quoting & Applications

Log in to obtain applications, additional info, or quote online.
*Coverage may not be available for all accounts or in all states
*Applications will apply to most markets but in certain circumstances additional applications may be needed
< Back to Products