Vacant and Condo Landlord Insurance

Do you rent your condo to others? Is it vacant at times between tenants? We’ve been providing coverage for customers like you for 70 years and we can help!


Vacant and Landlord Condo Insurance FAQ

Have questions about vacant insurance? We have answers!

If you have a loan, your mortgage lender will likely require you to carry insurance. Many associations also require owners to buy an insurance policy. Even if it’s not required, however, you should consider insurance since you run the risk of suffering severe financial setback if something happens to the home. You will likely spend money for repairs as well as lose your rental income during that time your condo is not livable.
Under the Foremost® landlord insurance policies, your tenants’ personal belongings would not be covered. They must have their own renters insurance policy if they want to cover their personal belongings to be covered.
Landlord insurance tends to cost a bit more than homeowners insurance. Reasons for this include the additional coverage for income loss when rent can’t be paid, as well as liability coverage if a tenant or their guest makes a liability claim. Foremost insurance offers a number of discounts with our landlord and vacant condo policies to help lower your costs.

Vacant and Landlord Condo Coverages

A vacant and landlord condominium policy has the same coverage options as our policy for owner-occupied condos. In addition, condo insurance for landlords offers:

Optional Loss of Rents Coverage

This applies to the income you’ll miss out on if an insured loss makes your condo unfit for a renter to use or live in.

Policy Package Options

Choose from three options: the Foremost landlord package, the Foremost landlord platinum package, or customize your own policy by selecting coverages and endorsements.

Ease of Use

If you have a condo that’s vacant between tenants, no problem! With a Foremost policy, you can easily switch a policy between vacant and rental usage types in most states. No need to cancel and rewrite every time your home is temporarily unoccupied.

Vacant Home Insurance Discounts

Here are just a few of the ways your can save money by choosing Foremost:

Platinum Package

Get up to 20% off when you choose this package.

Landlord Association

Save money when you belong to a landlord association.

Age of Home

Discounts for landlords who screen their tenants.

Get a quote for vacant and landlord insurance through an independent agent

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Not all products, coverages and discounts are available in all areas and may vary. Restrictions, exclusions, limits, and conditions apply. The information provided on or through this website does not alter the coverages in any policy you purchase. Please read the policy documents to check the coverages that you've selected.

Flood insurance policies offered by Foremost are underwritten by the National Flood Insurance Program (NFIP), a component of the Federal Emergency Management Agency (FEMA). Contact a Foremost representative for details.

Oregon Customers: Foremost does not offer discounts related to wildfire risk mitigation.

For the programs listed below, advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by the following entities, which are a part of the Farmers Insurance Group of Companies®:

Foremost Choice® Property & Casualty: Foremost Insurance Company- Grand Rapids, Michigan, Foremost Property and Casualty Insurance Company, Foremost Signature Insurance Company, Foremost County Mutual Insurance Company and Foremost Lloyds of Texas comprise the Foremost Insurance Group. Home office, Caledonia, MI.

Foremost SignatureSM Auto & Home: Farmers Property and Casualty Insurance Company, Farmers Casualty Insurance Company, Farmers Group Property and Casualty Insurance Company, Farmers Direct Property and Casualty Insurance Company, Farmers Lloyds Insurance Company of Texas, Economy Preferred Insurance Company, Economy Fire & Casualty Insurance Company. Home office, Warwick, RI.

Bristol West® and Bristol West Insurance Services of California, Inc.: Bristol West Casualty Insurance Company, Bristol West Insurance Company, Bristol West Preferred Insurance Company, Coast National Insurance Company, Security National Insurance Company, Foremost Insurance Company Grand Rapids, Michigan, Foremost County Mutual Insurance Company. Home office, Sunrise, FL.

Each insurer has sole financial responsibility for its own insurance. List of all insurers and states where licensed can be found at foremost.com/companies.

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