Most insurance companies do not want to insure vacant homes or rental properties in the Cincinnati area because that vacancy represents a greatly increased exposure of loss to the insurance company. 

In fact, buried within the fine print of your home, condo, or rental insurance policy is a common exclusion of coverage when the property becomes vacant for 30 days or longer:

Vandalism or malicious mischief, including intentionally set fires, if the dwelling has been vacant for more than 30 consecutive days immediately preceding the loss. A building under construction is not considered vacant.

So if your home or rental property is vacant more than 30 days and vandals torch your property the insurance company won’t likely pay you a dime! 

Trust me this clause is in most home, condo, or rental policies.

Do not take a chance and ignore this exclusion of coverage.   Keep in mind that Insurance companies will only pay what they are legally obligated to pay on their contract with you. If something is excluded you can’t expect the company to make an exception in your case.

What can you do if your rental property or your personal home will be vacant more than 30 days? In some cases because of inheriting a property or loss of tenants in a rental property extended vacancies  can occur.

There are only a handful of companies in Ohio, Kentucky, or Indiana that will insure vacant properties and fortunately we have contracts with each of these specialized insurers.

So if your home or rental will be vacant for more than 30 days we offer insurance coverage for vacant rentals in Cincinnati.  Click here for a rate quote, or feel free to contact me directly by calling 513-662-7000 or sending a quick email to jack@pathwayinsurance.net