Not everybody loves insuring vacant homes. But Heartland does. Lots of homes don't qualify for standard insurance for many reasons. The Vacant Property Program offers specialized coverages developed for the unique insurance needs of a vacant home and its owner. Homes in the Vacant Program can be for sale, in the name of an estate, or under renovation. We'll accept vacant homes valued up to $1 million, and there is no restriction on the age of the home.

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What to Look For in a Vacant Home Insurance Policy
For the most security, here are some things to take into consideration when choosing an insurance policy for a vacant home:

• Security and peace of mind. Look for companies that have experience with the kind of insurance you want. How long have they been in business? A company with a long, solid history will provide you with both expertise and stability.
• Coverage Essentials. Does the company you're considering offer the coverage you need for your vacant home and other structures, and can you renew your policy for an additional 12 months, if needed?
• Additional Coverages. A good company will recognize your special circumstances and work to offer the kinds of coverages you want, like vandalism and malicious mischief coverage, to make sure your property is properly covered.
• Choice of Payment Plans and Deductibles. Flexibility means having choices. When you own a vacant home, being able to cancel your policy without a financial policy is important. Also, having your pick from several deductible levels will allow you, if you desire, to lower your insurance cost by selecting a higher deductible. A choice in payment plans is important because everyone budgets their money differently. Some prefer to pay all at once and be done with it. Others like splitting up the payments over time. Whatever your preference, having the option to choose is what counts.