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Colonial General Insurance Agency, Inc.
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Colonial General Insurance Agency, Inc.
Contact Us
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Vacant Dwelling Insurance

Program Highlights for Vacant Dwelling Insurance:
Managing vacant dwelling insurance can be a challenge, especially when traditional markets decline or non-renew policies. At Colonial General Insurance Agency, Inc., we make it easier for agents and brokers to find flexible, reliable solutions. Our Vacant Dwelling Insurance program is designed for properties that are temporarily unoccupied, undergoing renovation, or in transition between tenants or owners.

Ideal Accounts and Appetite

We specialize in placing coverage for dwellings that fall outside the standard market appetite. Our program is an excellent fit for:

  • 1-4 family residential properties
  • Vacant or unoccupied homes
  • Dwellings undergoing renovations
  • Homes with prior cancellations or non-renewals
  • Properties with low or high insured values
  • Builders risk exposures

You might have a client with a recently inherited home that’s currently unoccupied, or a homeowner preparing to renovate a property before moving in. These are ideal fits for our program.

Coverage Highlights and Advantages

We offer flexible policy terms and a variety of coverage options to meet your insureds’ needs:

  • Fire
  • Extended Coverage
  • Vandalism and Malicious Mischief
  • Special Form—DP-3
  • Premises Liability Option
  • Mono-line Premises Liability available

Policies can be tailored with annual terms or shorter durations—3, 6, or 9 months—depending on the situation. Deductible options are also available to help manage premium and exposure.

Underwriting Notes and Minimum Premiums

We work with a range of carriers and underwriting partners, allowing us to consider a broad spectrum of risks. Whether your client has a clean history or a challenging risk profile, we can help find a solution. Our markets include both admitted and non-admitted options, depending on the risk and state.

Territories and Availability

This program is available in the following states:

  • Arizona
  • California
  • Colorado
  • Idaho
  • Nevada
  • New Mexico
  • Utah
  • Wyoming

Why Work With Colonial General Insurance Agency, Inc.?

As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has deep expertise in hard-to-place residential property risks. We understand the nuances of vacant property exposures and offer flexible, responsive service to help you place business quickly. Our strong carrier relationships and regional focus allow us to craft solutions where others may not.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for 1-4 family dwellings that are vacant or unoccupied, under renovation, or have been cancelled or non-renewed by standard markets.

Can you write short-term policies?

Yes, we offer flexible terms including 3-, 6-, 9-month, and annual policies to accommodate different vacancy timelines.

Do you offer liability coverage for vacant properties?

Yes, we provide premises liability options, including mono-line liability if property coverage is placed elsewhere.

Are properties under renovation eligible?

Yes, properties undergoing renovations are eligible and can be written under this program, subject to underwriting.

Which states is this program available in?

The Vacant Dwelling Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    Some Available Markets
  • Carriers:
  • Carrier Ratings:
    A.M. Best A+ Rated
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

8475 E. Hartford Drive, 100
Scottsdale, AZ 85255
855-980-7480
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APPLICATIONS

AGENCY LICENSING

If you would like to become contracted with Colonial General, please fill out the agency agreement below and provide a copy of your license and E&O declaration page.

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Colonial General Insurance Agency, Inc. has other insurance programs like Accountants Professional Insurance.