Dwelling - Vacant

This program is filled with possibilities. It's designed for one to four family vacant or unoccupied dwellings, condos, and townhouses. It covers dwellings valued up to $1,000,000.

Contact your Underwriter at Sovereign or info@sovereignins.com or 800-843-0843

About Our Agency

Sovereign serves insurance professionals in New York, New Jersey, Pennsylvania & Massachusetts. All programs are not available in all states.

Underwriting Rules

May Effect Eligibility:

  • Accounts with any type of loss exceeding $10,000
  • Liability on risks with unfenced swimming pools
  • Dwelling with more than two losses

Prohibited Business

  • Accounts with unfenced swimming pools (if Liability is included)
  • Dwellings with three or more mortgages
  • Bankruptcy/ Foreclosure/ Repossession within past three years
  • Mobile Homes (unless permanently attached to foundation and deeded)
  • Barns
  • Risks with four or more losses within the last three years
  • Appurtenant Structures without dwelling
  • Risks with existing fire damage
Effective Date: 03/07/2014