Looking for insurance on our vacant detroit home, does any know who will insure Detroit homes that are vacant while remodeling
Home is in Russell Woods neighborhood
Discussion
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Hi Chelsie,
It's tricky to insure vacant homes for sure! The insurance also often requires certain security measures on-site, and if these aren't met they will cancel your policy. When all else fails, you can contact Michigan Basic, MI's FAIR property insurance option. You usually only use basic when you were are denied or unable to purchase property insurance from standard companies. It can affect the quotes you get from standard companies if/when you want to switch back to standard insurance.
We did use them for around one month when we were working on our home because it was what we could get at the time.
There are a few options listed on the end of the B+BD presentation from Ashaki Malone:
http://s3.amazonaws.com/brickbeam/attachments/file_attachments/000/000/038/original/Homeowners_Insurance.pdf?1456332770
More info about MI Basic: https://www.valuepenguin.com/michigan-basic-home-insurance
Hope this helps!