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.

Home Insurance Cancelled Because It’s Vacant?

If your home insurance policy has been cancelled because your home is vacant, call our Cincinnati Independent agency at 513-662-7000.

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.

Contact Pathway Insurance for Ohio Vacant Home Insurance Coverage.

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 our agency and speak with a licensed agent by calling 513-662-7000.  Coverage is available in all 50 states.