Vacant Home Insurance, Everything You Need in Under 150 Words

I just quoted a home in Texas for vacany Insurance. 3 month policy through Lloyd's- $1016.00. For a home $315,000 value. Yeah, vacancy insurance is expensive. But then again, if your home is vacant, and you have a loss, AND your insurance company finds out that you had a vacancy. Guess what- YOU HAVE NO COVERAGE! I think maybe you still have fire, but nothing else. Roll the dice if you must. But I think it's better to be safe than sorry. Buy the insurance!!!!
 
In Pennsylvania it seems like Foremost is the only market for vacant homes. Are you finding Lloyds or E&S markets that are more competitive?
 
I have used Vacent Express on my last 5 deals. They uw was quick and the premuim was cheap.
 
Anyone write vacant home insurance or renters policies in New York? I've got a house upstate I need covered. PM me if you can help.
 

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