If you own a rental property or a home that happens to be vacant, a traditional homeowners insurance policy will not work.
You need what’s called a “Specialty Dwelling” insurance policy. This is because traditional homeowners insurance excludes coverage for properties that are not owner-occupied. In other words, if you don’t live in the house, it’s only covered by a specialty dwelling policy.
We represent many different carriers who can insure your rental property, or specialty use property.