We know a lot can happen in life and the saying that “change is the one constant” holds true. When changes occur in your client’s lives and they have a vacant building to insure, we can help. At Guardian Risk Managers we have created a variety of vacant building products to help your clients. Our products provide both long and short-term solutions, along with many options to increase coverage on the policy. Below is a review of the available options for our vacant building products.

Product offerings include:

  • Customized settlement options: Replacement Cost (on eligible risks), Actual Cash Value, Wreckage Value


  • Detached Structures and Content coverage


  • Sewer Backup options for eligible risks


  • Vandalism, Malicious Acts, Break and Enter options for eligible risks


  • Vacant Condo product available (includes option to increase Improvements and Betterments limit)


  • Vacant High Value Home product is also available


Application Form

If you have any questions or would like to forward a submission, contact our Niche division at niche@guardianrisk.com.