Boardwalk Insurance Group | Auto, Home, Commercial, Life and Health Insurance for Residents and Companies in the United States

TAG | dwelling insurance

Insurance for Vacant Buildings 4.50/5 (90.00%) 6 votes

Vacant buildings still need insurance.  Vacant buildings are subject to many of the same perils that occupied buildings are exposed to.  Vacant building property insurance provides coverage for vacant buildings without having to pay for insurance that covers them like occupied buildings.

Property insurance for vacant buildings can cover a wide variety of properties.  However, since the status of vacant buildings could change at a moment’s notice, property insurance for vacant buildings is a more flexible and adaptable insurance policy than standard insurance for the building.

We can help you with your vacant building risks. With our in-house binding authority we have the ability to place these risks. Some common scenarios include:

  • A vacant 1-4 family dwelling that is up for sale
  • A vacant single family dwelling that is undergoing renovations before the owner will move in
  • A vacant condo whose former occupant is now in a nursing home

Flexible terms and coverage:

  • Policy terms are flexible with 3,6,9 and 12 month terms available
  • There is no limit on how long the structure has been vacant
  • Can also write contents up to $250,000
  • Renovations can also be considered

Coverage is available for other structures on the premises such as a detached garage

  • We have the availability to quote excess coverage up to $5 million limit
  • Minimum earner premium is only 25 percent



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Single or Multi Family Dwelling Insurance Coverage 3.75/5 (75.00%) 8 votes

A place to live is one of the largest and most important investments a family can make.  It is important to protect the investment, and one of the best ways is through insurance.

Single or multi family dwelling insurance coverage can protect your investment from damages and also cover other tenants on the property.  The appeal of single or multi family dwelling insurance coverage is the flexibility that comes with the insurance policy, including the ability to classify the property as both owner occupied and as a rental property.


  • Coverage available as
  1. Monoline Liability
  2. Monoline Property
  3. Package


  • Credit provided for owner occupied 2-4 family locations
  • Ability to consider locations rented on a seasonal or timeshare basis
  • Ability to consider mobile homes as dwellings
  • Up to $25,000 medical expense limit available
  • Risks with boat docks or slips can be considered
  • No Liability Deductible

Limits Available (up to)

  • $1,000,000 Per Occurrence/$2,000,000 aggregate
  • Commercial Umbrella available up to $5,000,000
  • Hired and non owned auto available in most states


  • Both Special and Basic Form available
  • Replacement Cost Coverage available
  • Business Income/Rental Value
  • Owner’s Contents Coverage
  • Equipment Breakdown Coverage
  • Available in Protection Class 1-8
  • Ability to consider locations in hail and tornado prone areas (special deductible may apply)
  • Coverage can be provided for a property that is under renovation

Limits Available (up to)

  • $1,000,000 for Commercial Lines
  • Coastal Areas
  • Limits of up to $500,000 per location
  • Wind and hail excluded


  • General Liability that expands the definition of Bodily Injury to include mental anguish or emotional distress with no deductible
  • Personal Injury coverage
  • Special Cause of Loss available
  • Loss of Income coverage
  • Functional Building cost available
  • No Classification Limitation Endorsement
  • Special (DP-3) and Basic Form (DP-1) are available
  • Available for 2-4 family owner occupied dwellings
  • Available for 1-4 family tenant occupied dwellings
  • No mandatory roof exclusion
  • Actual Cash Value Roof Endorsement available
  • Comprehensive Personal Liability Coverage is optional
  • Name Insured can be a Trust, Estate, Limited Partnership or Family Partnership
  • Modified Functional Replacement Cost available

Dwellings in coastal areas are eligible


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Cheap Homeowners Insurance

Cheap Homeowners Insurance 4.33/5 (86.67%) 3 votes

These days, everyone is looking to save money where they can.  While there are expenses which can be completely cut out, things such as your mortgage or rent, insurance coverage, grocery and more are required no matter what your financial situation is.  It may seem like there is nothing you can do about these expenses, but you may be surprised.

For example, many insurance companies have raised their rates over the last several months.  You may have become victim to this upon seeing your renewal quotes.  However, what your company and agent may not tell you is that there are several companies which have also lowered their rates.

Whether your homeowners insurance premium has increased or remained about the same, you owe it to yourself to shop around to see if there are opportunities to keep some of your hard-earned money in your pocket.  Insurance agents, like those who work at Boardwalk Insurance, will gladly prepare quotes for you to review at no charge with several companies.

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