For insurance buyers, insurance agents and insurance wholesalers!For insurance buyers, insurance agents and insurance wholesalers!
First Choice Insurance Intermediaries, Inc.
Contact Us
contact_phone Click to call
First Choice Insurance Intermediaries, Inc.
Contact Us
contact_phone Click to call

Vacant Land Insurance

Vacant land owners often do not realize that the two common accidents that happen on vacant lands are related to bodily injuries and property damage.


Most homeowner’s policies typically do not cover damage to vacant lands.

Most of the time, these lands are not occupied so insuring for the unexpected is a smart move. For example, a group of teenagers entered the property and started a brush fire or got in an accident on the property and broke their leg; the vacant landowner is responsible for any financial loss and claim made.

Whether it's a vacant city lot, rural acreage, or recreational parcel, landowners need proper liability protection in case someone is injured or property is damaged on their premises. First Choice Insurance Intermediaries, Inc. offers a dedicated Vacant Land Insurance program designed specifically for these exposures.

Ideal Accounts and Appetite

This program is ideal for:
  • Private individuals or families who own undeveloped land
  • Land held for investment or future development (with no active construction)
  • Recreational land used for hiking, camping, or similar low-impact activity
  • Vacant city lots or rural plots with no structures
We can consider properties with up to two lakes or ponds and up to 1,000 acres per location. However, we do not cover any land with structures, ongoing construction, or other active operations on the premises.

Coverage Highlights and Advantages

Our Vacant Land Insurance program offers flexible options and broad protection: • No length of vacancy restrictions
• Up to 2 lakes or ponds allowed on the premises
• Policy terms of 3, 6, or 9 months available
• General liability limits available up to $1M/$3M This coverage helps protect your client from financial liability if someone is injured or property is damaged while on their vacant land. Whether it’s trespassers starting an accidental fire or a visitor slipping and falling, these exposures can lead to costly lawsuits.

Underwriting Notes and Minimum Premiums

This program is underwritten with flexibility in mind, but it remains focused on true vacant land exposures. There are no specific minimum premium requirements listed, but coverage must be placed on qualifying properties with no structures or business activity. To get appointed with First Choice Insurance, please send a copy of your W-9, state license, and E&O certificate along with the Producer Appointment Form to [email protected].

Territories and Availability

This program is available in most states, including but not limited to: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, SC, TN, TX, VA, WA, and WI. Please contact us for eligibility in your specific state.

Why Work With First Choice Insurance Intermediaries, Inc.?

As a trusted wholesale broker, First Choice Insurance specializes in niche and hard-to-place markets. Our Vacant Land Insurance program reflects our commitment to providing agents and brokers with competitive solutions backed by strong underwriting and responsive service. We make it easy to place standalone vacant land policies quickly and efficiently.

Frequently Asked Questions

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

Ideal accounts include private individuals or investors who own undeveloped land with no structures or active operations. We can also consider land with up to two lakes or ponds.

Are structures allowed on the insured property?

No, the program is specifically for land with no buildings or structures. Properties with any built structures are not eligible for coverage.

Can I place land that's being held for future development?

Yes, as long as there is no active construction or business activity on the land. Future development plans do not disqualify the property.

What liability limits are available?

We offer general liability limits up to $1 million per occurrence and $3 million aggregate.

Which states is this program available in?

This program is available in most states, including AL, CA, FL, TX, NY, and many others. Contact us to confirm availability in your state.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    -
  • Min Premium:
    -

Browse

Request a Quote Now!

CONTACT INFORMATION

LOCATION

820 A1A North, Suite 16E
Ponte Vedra Beach, FL 32082
866-821-9572
View Map

APPLICATIONS

CompleteMarkets is The Insurance Industry's Professional Network
Please Register for FREE or Sign In to contact
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.
First Choice Insurance Intermediaries, Inc. has other insurance programs like Accountant and Bookkeeper Insurance.