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VACANT, RENOVATIONS, AND COURSE OF CONSTRUCTION INSURANCE

Surplus lines solutions for higher-risk residential and commercial properties.
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SPECIALTY INSURANCE SOLUTIONS FOR CLIENTS’ VACANT AND UNDER-CONSTRUCTION PROPERTY RISKS

Many clients don’t realize until the last minute that they require special insurance for properties that are vacant, under renovation, or being flipped, so agents need to respond quickly with flexible Vacant, Renovations, and Course of Construction options. DeCotis Specialty Insurance offers fast access to solutions from AM Best A-Rated markets—even for a project that’s already started.

Target Classes

FOR VARIOUS RESIDENTIAL AND COMMERCIAL PROPERTY TYPES

We provide our agency partners with access to Vacant, Renovations, and Course of Construction options for a range of specialty risks including but not limited to:

  • Vacant dwellings (1-4 family homes)
  • Vacant commercial buildings
  • Properties under renovation or remodeling
  • Builders Risk (new residential and light commercial construction)
  • Residential flips and investment properties

Coverage Options

DeCotis offers surplus lines solutions to help agents meet their clients’ residential and commercial property requirements.

  • Property Coverage for building, materials, and improvements
  • Liability Coverage for property owners or contractors
  • Basic and Special Form Coverage
  • Vandalism Coverage
  • Vacant Land Liability

Product Highlights

To read more product highlights, please download and save the coverage sheet.

  • Instant online quote available
  • Multiple locations, up to six per insured
  • Theft sublimit for building materials
  • Coverage for projects that have already started
  • Second-story additions acceptable
  • 3, 6, 9 or 12-month policy term options
Flyer for Decotis Specialty Insurance with photo of a house for sale. Lists vacant and course of construction insurance solutions, coverages, contact info, QR code, and a “Did You Know” box highlighting specialty insurance offerings.
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SUBMISSION REQUIREMENTS

Download the application that best suits your clients’ needs and provide any additional relevant information. Send the application to: Quotes@DeCotis.com.

Screenshot of a Decotis Specialty Insurance application form for Vacant or Course of Construction Insurance, displaying fields for eligibility questions and applicant details such as property use, renovations, prior claims, and contact information.
DOWNLOAD THE VACANT PROPERTY APPLICATION
A Builders Risk Supplemental Application form from Decotis Specialty Insurance with eligibility questions on property history, renovations, insurance, vacancy status, damage, and legal issues—ideal for Course of Construction Insurance.
DOWNLOAD THE VACANT BUILDERS RISK SUPPLEMENTAL APPLICATION
A vacant commercial application form with the Decotis Specialty Insurance logo, eligibility questions, and checkboxes for periods of vacancy, renovations, and property details. The blue and white form includes several questions and response sections.
DOWNLOAD THE VACANT COMMERCIAL APPLICATION
A vacant land application form from Decotis Specialty Insurance, featuring eligibility questions with yes/no checkboxes and spaces for explanations. The gray, white, and purple design suits those seeking course of construction insurance or planning renovations.
DOWNLOAD THE VACANT LAND APPLICATION

GETTING VACANT, RENOVATIONS, AND COURSE OF CONSTRUCTION QUOTES IS SIMPLE

Select one of the following options to request a quote for your clients’ specialty insurance needs:

Get an Online Quote
Submit an Application
Contact an Underwriter

States where
we do business

States where we do business

Northeast
  • Connecticut
  • Delaware
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island
  • Vermont
Mid-Atlantic
  • District of Columbia
  • Florida
  • Georgia
  • North Carolina
  • South Carolina
  • Virginia
Southwest
  • Arizona
  • Colorado
  • New Mexico
  • Oklahoma
  • Texas

CROSS-SELL OPPORTUNITIES FOR SURPLUS LINES

Your clients may also require these products.

Home Insurance

Designed to help homeowners pay to repair, replace, or restore their house, belongings, and other structures on their property after a covered event has caused damage.

Learn More
Dwelling Insurance

Provides coverage for primary, secondary, tenanted, and seasonal homes against specific hazards that may damage the structure of a property and personal belongings inside.

Learn More

Does DeCotis Deliver? Hear From Our Agency Partners.

The thing I love the most about DeCotis is the close-knit, family-like culture where relationships go beyond just work. With DeCotis, you’re not just another agent—you’re part of the family. Trusted expertise, personal attention, and genuine care every step of the way.
Shannon DonovanTashmoo Insurance Agency Inc
DeCotis is by far the most responsive of the carriers we work with and the most willing to work with the agents. Whether it’s simple acknowledgement on submissions, binder/invoice turnaround, or simple service requests, the service is second to none.
John DutneyBerlin Insurance Group, LLC
The DeCotis team is everything you hope for in a partner—attentive, collaborative, and always a step ahead. Their service goes beyond responsiveness; it’s the kind of relationship built on trust and a shared commitment to doing things right.
Mackenzie HanniganBayside Insurance Underwriters
We have been working with DeCotis for nearly a decade and have experienced nothing but excellent service. Their responsiveness, customer service, and expertise in the industry set them apart from other brokers. We look forward to continuing our partnership for many years to come!
Sean M. Segreve, CPCU, CIC, CISRSegreve & Hall

THE POWER OF CHOOSING DECOTIS

  • Instant Online Quote Option
  • Access to Multiple Carriers for Fast Comparative Quotes
  • Responsive Support from Experienced Underwriters
  • Customizable Coverage Options for Unique Property Scenarios
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