Vacant Dwelling Insurance For MD, NC, and VA

Overview of the Program From Agents Insurance Markets, Inc.

This AIM program is built for properties that are temporarily vacant or between tenancies — including homes under renovation or pending sale. You can write standard dwellings of any age with limits up to $500,000 and select 3-, 6- or 12-month policy terms. Liability and optional Vandalism & Malicious Mischief are available. AIM underwrites through American Modern Home Insurance Group and offers admitted placement where available.

Ideal Accounts and Appetite

• Single-family homes that are vacant between tenants or pending closing.
• Houses undergoing renovation (short-term, supervised remodels).
• Properties owned by LLCs, trusts or estates.
• Condominiums and townhomes that will remain unoccupied for a limited period.
• Preferred risk profile: PC 1–10 occupants prior to vacancy, reasonable maintenance and secured premises.

Coverage Highlights and Advantages

• Choice of 3-, 6- or 12-month vacant dwelling policy terms to match vacancy exposure.
• Dwelling limits up to $500,000 on standard dwellings of any age.
• Liability coverage available and optional Vandalism & Malicious Mischief endorsement.
• Accepts LLCs, trusts and estates as named insureds.
• Condo and townhome eligibility expands placement options for clients with non-single-family properties.
• Admitted capacity with an AM Best A+ carrier where state filing allows.
• No minimum earned premium and automatic renewal to reduce administrative work on short-term risks.
• Direct bill with optional payment plans to improve client payment flexibility.

Underwriting Notes and Minimum Premiums

Underwriting focuses on occupancy status, property condition, security and the reason for vacancy (for sale, between tenancies, or under renovation). Ideal risks are routinely maintained, secured and free of significant deferred repairs. AIM accepts entities such as LLCs and trusts; condos and townhomes are eligible. Note that vandalism/malicious mischief is optional and requires specific selection.

Because this program is admitted in the available states, state-specific rules apply. AIM offers automatic renewal and direct billing options to simplify servicing short-term vacant exposures.

Territories and Availability

This program is available for placement in Maryland, North Carolina and Virginia. Availability is subject to state filing and carrier appetite; where an admitted paper is not available AIM can advise alternatives. Confirm eligibility and quoting options with AIM underwriters for risks near state lines or with unique circumstances.

Why Work With Agents Insurance Markets, Inc. on Vacant Dwelling Business

• Specialized vacant dwelling appetite that balances admitted paper and flexible terms.
• Access to American Modern Home Insurance Group — strong carrier with national experience in dwelling lines.
• Quick, competitive quotes and tailored term options (3/6/12 months) for temporary exposures.
• Responsive underwriting for LLC/trust-owned properties, condos and townhomes.

Example scenarios that fit this program

• You have a client selling their single-family home; it will be vacant for 4–8 weeks before closing. A 3- or 6-month vacant policy with vandalism coverage can protect the home during escrow.
• A landlord is renovating a rental property between tenants. The property is secured, actively supervised by a contractor, and valued under $500,000 — an AIM vacant dwelling term can cover the gap while work is completed.

Frequently Asked Questions

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