J.M. Wilson Corp.

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J.M. Wilson Corp.

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Vacant Dwelling Insurance

Vacant Dwelling Insurance Program from J.M. Wilson

J.M. Wilson Corp. offers a flexible and comprehensive Vacant Dwelling Insurance program tailored for independent agents seeking reliable solutions for their clients' unoccupied properties. Whether your insureds own residential, commercial, or industrial buildings that are temporarily vacant, under renovation, or awaiting sale, this program provides valuable protection through a variety of customizable options.

Ideal Accounts and Appetite

Residential buildings such as single-family homes, duplexes, and small apartments
Commercial and industrial properties including offices, retail buildings, and warehouses
Properties undergoing light renovations, improvements, or alterations
Dwellings vacant due to sale, foreclosure, or tenant turnover

There are no restrictions on the length of vacancy, making this program especially useful for difficult-to-place risks.

Coverage Highlights and Advantages

Available as a package or monoline policy
Flexible policy terms: 3, 6, or 12 months with easy extensions via endorsement
Broad Form Liability Coverage including Medical Payments and Fire Legal Liability
Independent Contractors Coverage available
Special form and Replacement Cost coverage available for buildings 10 years old or newer

Limits of Liability

Property limits available up to $8,000,000 (subject to carrier approval)
Excess or umbrella limits up to $20,000,000

Construction Type Limits

Frame: $1,000,000 Sprinklered / $500,000 Non-Sprinklered
Non-Combustible & Joisted Masonry: $4,000,000 Sprinklered / $2,000,000 Non-Sprinklered
Masonry Non-Combustible: $7,000,000 Sprinklered / $4,000,000 Non-Sprinklered
Fire Resistive: $8,000,000 Sprinklered / $5,000,000 Non-Sprinklered

Why Work with J.M. Wilson?

As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson provides independent agents with access to a wide range of admitted and non-admitted carriers. Our personal lines team is known for:

24-hour turnaround on quotes—often same-day
Direct bill options for many personal lines accounts
Friendly, knowledgeable underwriters who assist with online rating, phone quotes, coverage questions, and financing options

We’re having strong success with accounts in the following areas:

Dwelling/Fire
Homeowners (including high-value homes)
Personal inland marine (e.g., mini-storage contents)
Personal umbrella (even for high-risk drivers)
In-home business products

All markets offered by J.M. Wilson for personal lines are A-rated.

Territories and Availability
This program is available to agents in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, WI. With access to both admitted and non-admitted carriers, J.M. Wilson can help you find the right fit for your client’s vacant property needs.

For more information on our Personal Lines Insurance, visit our website: www.jmwilson.com

Frequently Asked Questions

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

This program is ideal for residential, commercial, or industrial properties that are temporarily unoccupied, including homes for sale, buildings under renovation, or properties between tenants.

Are there restrictions on how long a property can remain vacant?

No, there are no restrictions on the length of vacancy, making this program suitable for long-term unoccupied properties.

Can buildings under renovation be covered?

Yes, properties undergoing minor repairs, alterations, or improvements are eligible for coverage under this program.

Is this program available in my state?

J.M. Wilson offers this program in 22 states, including FL, MI, IL, NC, PA, and more. Please refer to the full list above to confirm availability in your state.

What is the turnaround time for quotes?

Most quotes are turned around within 24 hours, with many available the same day depending on submission completeness.

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:

0

Carriers:

Carrier Ratings:

A rated or better

Commission:

Varies by coverage and carrier

Min Premium:

-

Coverages:

Unoccupied dwelling Insurance Vacant Building General Liability Insurance Vacant Buildings Insurance Vacant Commercial Buildings Under Renovation Insurance Vacant Dwelling - Hard to Place Insurance Vacant Dwelling Insurance Vacant Homes Insurance Vacant Residential Buildings Theft Insurance Vacant Residential Dwelling Program Insurance Vacant Residential Dwellings

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J.M. Wilson Corp. has other insurance programs like Alarm Installation and Repair Insurance.

J.M. Wilson Corp.

J.M. Wilson Corp.

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Vacant Dwelling Insurance

Frequently Asked Questions

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

Are there restrictions on how long a property can remain vacant?

Can buildings under renovation be covered?

Is this program available in my state?

What is the turnaround time for quotes?

U.S. States Available