If your Home or Commercial Building Is Vacant most insurance companies will not be willing to offer you insurance coverage. There are only a limited number of companies offering Vacant Home Insurance in Ohio.

How Do You Insure Vacant Homes?

If you are an investor or landlord with multiple owned rental properties please call 513-662-7000 and speak with our agents as we insure Vacant Homes for Investors and Landlords throughout the U.S.  

If you are not an investor or landlord with multiple properties but need coverage for a home that is to be sold, or remodeled contact the agent caring for your personal car or home insurance first to learn whether or not they will insure a home that is vacant.  

Pathway predominantly works with investors and landlords who need to secure the Ohio Vacant Property Insurance that is needed for renovations. After the home is renovated we can insure your rental units if you plan on keeping your properties for rental purposes. 

If you are not an investor or active landlord with multiple properties we may not be able to assist you but you can call for more information.

This Is Why Most Insurance Companies Will Not Insure Vacant Homes in Ohio.

Homeowner’s insurance policies were designed to provide coverage for homes that are occupied, not homes or commercial buildings that are vacant.

Vacant homes and buildings invite added risk for insurance companies – this is the main reason why most insurance companies shy away from insuring vacant homes.

Common Claims on Vacant Homes

Vandalism- When a home or building that you own sits empty it is an open invitation for criminals and vandals to make some money or have some fun. Criminals may be interested in stealing what they can from a vacant home, including copper piping and wiring.

The subsequent damage can cost insurance companies tens of thousands of dollars.

Liability- Can you be found legally liable for an injury to a criminal who breaks into your home and becomes injured in the course of his criminal activity? The answer is possibly yes.

That means your insurance company may be liable to pay for medical injuries, disability claims and pain and suffering up to your available limits when a criminal enters your home illegally and is injured!

If You Do Not Purchase Vacant Homeowners Insurance Coverage, What Risk Do You Face?

Insurance companies place within the fine print of their insurance policies language that restricts your ability to obtain coverage for certain types of claim events when your home becomes vacant.

Example: If a criminal with the intention of stealing the copper out of your home, sets your home on fire, your insurance company can deny coverage on your fire and vandalism claim if your property has sat vacant for 30 days or longer!

Insurance for Vacant Homes in Ohio Is Available from Pathway Insurance.

We can help you obtain vacant home insurance in a number of states across the US if you are an investor or landlord with multiple properties. Call 513-662-7000 to speak with one of our agents.

If you are not an investor or landlord with multiple properties but need coverage for a home that is to be sold, or remodeled your best option would be to contact the agent caring for your personal car or home insurance first to learn whether or not they can help you.

If your insurance company has canceled your homeowners insurance because your home is vacant, contact the experts at Pathway Insurance. 

Call 513-662-7000 or 1-800-998-0662. 

We can insure most vacant properties in Ohio, no matter if that is a commercial building or single family residential units. 

Call and speak with one of our professional licensed representatives who can assist in acquiring insurance for vacant properties. 

We offer vacant home insurance in Ohio, Kentucky, Michigan and Indiana. 

If you do not live in one of the four states indicated click Vacant Home Insurance to obtain quotes in the remaining 46 states.

This Is Why Most Insurance Companies Will Not Insure a Vacant Home.

A standard homeowner’s insurance policy is designed to insure homes that are occupied, not vacant.  A vacant home represents a greatly increased exposure to the insurance company for vandalism and liability claims. 

The typical homeowner’s insurance company will issue a cancellation as soon as they learn that your property is vacant.

What Danger Do You Face If You Own a Vacant Home?

Because the majority of insurance companies do not wish to insure vacant homes, insurers have placed within the fine print of their policy language homeowner’s insurance exclusions for properties that become vacant. 

If a certain type of homeowners claim occurs, your insurance company will refuse to pay simply because your home is vacant! 

How do you obtain coverage for vacant homes?

How to Insure Vacant Homes?

Vacant Homeowners Insurance is only available through a limited number of insurance companies, so therefore you need to work with a professional insurance agent who understands how to insure buildings that become vacant.

How We Can Help You Insure Your Vacant Home?

Pathway Insurance Services Inc. is an independent insurance agency directly offering insurance for vacant homes in Cincinnati. (We can help you obtain insurance for vacant properties in all 50 states.)

Call 513-662-7000 to speak with one of our professional representatives who can assist you in obtaining vacant building insurance. Business insurance coverage for vacant properties is also available for commercial buildings, apartment buildings, and undeveloped land.