Vacant Express Insurance for empty buildings.
Vacant Express is a specialty program built for vacant and unoccupied properties that do not qualify for traditional commercial or residential coverage. Empty buildings carry a distinct risk profile — vandalism, theft, water damage, fire, and liability — and most standard policies contain vacancy clauses that quietly reduce or eliminate coverage once a building sits unoccupied past a set number of days.
What Vacant Express covers.
Vacant Express offers commercial coverage designed to protect your employees, property, vehicles, and financial future:
- Vacant Building Insurance
- Commercial Vacant Property Insurance
- Residential Vacant Property Insurance
- Renovation & Remodeling Property Coverage
- Investment Property Insurance
- Property Awaiting Sale Coverage
- Tenant Transition Coverage
- Temporary Vacancy Insurance
- Liability Coverage for Vacant Properties
- Fire, Theft, and Vandalism Protection
Who Vacant Express fits best.
Vacant Express is the right call for Michigan real estate investors, landlords between tenants, owners rehabbing a property, estates holding a building awaiting sale, and anyone who owns a commercial building sitting empty. If your property is unoccupied, your existing policy may not be covering it — worth a conversation either way.
Businesses Vacant Express insures.
Industry-specific underwriting means your coverage is built around the risks your operation actually faces — not a generic commercial template.
- Commercial Buildings
- Office Buildings
- Retail Locations
- Rental Properties
- Apartment Buildings
- Investment Properties
- Foreclosed Properties
- Properties Under Renovation
- Buildings Awaiting Sale
- Seasonal or Temporarily Unoccupied Properties
- Real Estate Investor Portfolios
What makes Vacant Express stand out.
Closes the Vacancy Gap
Standard policies often cut coverage after 30–60 days of vacancy. This program is written for exactly that window.
Renovation Coverage
Protection while a building is actively being remodeled — a period when most carriers want nothing to do with it.
Flexible Vacancy Periods
Terms that match how long the property will actually sit empty, rather than a rigid annual policy.
Specialty Underwriting
Focused exclusively on vacant risk, so the underwriting reflects how these buildings actually generate losses.
Built for Investors
Designed around how real estate investors operate — between tenants, awaiting sale, mid-rehab.
Fire, Theft & Vandalism Protection
Covers the perils that account for the overwhelming majority of vacant property claims.
Ready to see what Vacant Express can do for your business?
We'll quote Vacant Express alongside 37+ carriers so you can compare coverage side by side.