James Copher with Clearview has been phenomenal to work with. We originally met James through Cyndi, our realtor, who helped us sell our old home and purchase our ranch, and we couldn’t be happier to have found both of them. James helped us get the right insurance policy in place for our property, and when renewal time came around, he went above and beyond to make sure we were still getting the best coverage and value. He actually took the time to shop around, found us a policy with better coverage for less money, and made the entire process easy. What really stands out about James is that he genuinely looks out for his clients’ best interests. He’s honest, responsive, knowledgeable, and treats you like a person rather than just another policy. If you’re looking for an insurance agent who will actually take care of you and your property, I highly recommend James Copher at Clearview. You won’t regret working with him.
Vacant and unoccupied homes. The gap a standard policy leaves.
An inherited house, a home between tenants, a place on the market after you've moved out. A standard homeowners policy often stops covering key losses once no one is living there.
Coverage
What we include.
- Dwelling coverage for a vacant or unoccupied house
- Vandalism and malicious mischief options
- Premises liability
- Fire, wind and hail
- Coverage while the home is listed for sale or an estate is settled
Markets
Where we shop.
- Foremost (vacant dwelling)
- American Modern
- Steadily
- Specialty vacant and unoccupied-dwelling markets
Good to know: Vacant and unoccupied mean different things in a policy. Unoccupied usually means your belongings are still there; vacant usually means they aren't. Many homeowners policies limit coverage once a home has been vacant for a set number of days, so call us as soon as you know it will sit empty.
What we need
To get you a real quote.
- Address and how long it has been empty
- Why it's empty: estate, sale, between tenants or renovation
- Whether the utilities are on
- How often someone checks on it
- When it's expected to be occupied or sold
Often bundled with
Coverages that pair with this one.
Fix & FlipInvestment PropertiesUmbrella
What our clients say
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