Call for a free rate quote 239-329-8650
Vacant Dwelling Insurance in Naples, FL
Keeping a watchful eye on the places you call home, even when you’re not around.

Protection Despite Life’s Twists and Turns

It’s a full-time job to keep your full-time dwelling safe. It’s even harder to do the same for your unoccupied properties, particularly when they’re in a different state or city. Keep yours secure with vacant home insurance that fully protects it from life’s most expected -as well as unexpected- hazards. Then rest assured with the knowledge that your policy is there to support you and your family when worse comes to worst.

Affordable Auto Coverage You Can Count On

From fixing small issues to having to rebuild most of your home, you want a policy that reasonably safeguards your residence prior to it becoming inhabited again. While many standard insurance policies may refuse to cover you at all due to the added risks of damage or vandalism, we can help you find the right policy for the time your property is unoccupied, from just a couple of months to over a year.

That’s one of the biggest benefits of a custom home insurance consultation. From dwelling to personal property coverage, we guarantee that we’ll find the best combined policy to fulfill all your term home protection goals and keep your wallet happy at the same time.

Our Policy Recommendations Go Above and Beyond

We have over 40 years of experience insuring customers across Florida.


Since no two homes are alike, we recommend customizing your policy to the nature of your residence as well as how long it may be empty. The most common residences we help insure are:

Wood Frame, Brick, or Concrete Block Homes

Your location as well as home building materials can influence the price of homeowner’s insurance. On average, insurance for wood framed homes is higher than for brick or concrete block homes because the risk of termites or fire damage is lower.


Coverage that covers your residential unit and the belongings within its walls, but not the airspace or areas outside the apartment. The larger building and shared areas are covered under a master policy that is held by the condo/homeowner’s association.


Uniform and tall, multi-storied row-houses that might share external walls with other homeowners. Insurance for townhomes covers the property and outside areas that the owner has a title to, including yards and balconies.

Seasonal Homes

Homes that are unoccupied for a significant portion of the year because they are not the owner’s primary residence. Also known as secondary or vacation-homes.

Rental Homes

Properties that are not inhabited by their owners and rented out to tenants. Insurance for rental properties covers the unique hazards of renting out your property to other parties, such as theft or property damages.

Mobile, Manufactured Homes, and Modular

Factory-built homes. These usually require higher insurance costs because they are less resistant to weather events (such as floods or storms) and are at higher risk of vandalism or theft.


A boat that has been modified or designed to be a primary residence. Due to the many different builds and capabilities of houseboats, these may require single insurance coverage or a combination of Homeowner’s and Boat insurance.

Your Local Insurance Agency

A Local Name You Can Trust For All Your Insurance Needs

The Muzzi Group is more than an insurance brokerage. We’re our clients’ strongest advocates and most dedicated advisors, helping them reach the levels of protection they need to keep their families and properties safe since 1977. By working with us, you’ll always have access to:

Affordable Rates

Policies to fit every budget, every time. That’s the Muzzi Group guarantee!

Great Savings

We scour the market for the best deals and discounts, so you won’t have to.

Vehicle Protection

Giving you everything you need and nothing you don’t in your property coverage plans.

Comprehensive Coverage

Create the perfect liability umbrella by mixing and matching plans and providers.



Questions? Consult our handy FAQ to get even more in-depth information about the following insurance topics:

When is a home considered “vacant”?
A property is considered vacant when there are not enough furniture items or appliances to reasonably accommodate a person living on the premises or if they have been empty for over 30 to 60 days. Vacant homes run the risk of incurring home insurance penalties or losing coverage altogether. Check with your agent to see if your home fulfills the requirements.
Won’t my homeowner’s policy cover my vacant dwelling while it’s unoccupied?
Not if the dwelling has been empty for over 30 to 60 days. Most homeowners or landlord insurance policies have exclusions that kick into effect once the time limit has been reached, meaning that they will not extend coverage if something happens to the property during this time due to the added risks of not having people actively inhabiting the home.
Does vacant dwelling insurance cover vandalism?
It can. Many policies have added protections that cover malicious mischief and damages done to your home as long as they don’t involve property theft.

What Our Customers Say

Learn more about us from our satisfied customers’ experiences. 
  • Grasshopper Group Accountant

    Choosing the right insurance coverage for my growing family had never been as easy as it was when I contacted the Muzzi Group, and I don't plan on going back!

    The Wilson Family
  • Grasshopper Group Accountant

    After shopping around for commercial insurance online and from other brokers, I was able to secure the cheapest quote fromThe Muzzi Group II Inc with the desired benefits for my business. I would recommend The Muzzi Group II Inc.

    David Thontron
  • Grasshopper Group Accountant

    When you operate and own a small business, every cent counts. So I appreciate the fact that I found an insurance broker that doesn't just care about making a profit, but also about my business' bottom line and safety in case things go south. Knowing they've got my back is priceless.

    Maximum Movers
  • Grasshopper Group Accountant

    The weather here is unpredictable. The only way you can protect the things that matter is by finding trusted insurance broker who will be with you every step of the way, and that's what the Muzzi Group is for me.

    Alan P

News & Blog

Today’s most pressing insurance topics.
October 27, 2020
These two cyber-attacks are on the rise

Lorem Ipsum is simply dummy text of the printing and typesetting industry.

Read More ➜
October 27, 2020
Is There Collector's Insurance For Vehicles Other Than Cars?

Lorem Ipsum is simply dummy text of the printing and typesetting industry.

Read More ➜
October 27, 2020
Insurance Consulting

This is a block of text. Double-click this text to edit it.

Read More ➜

Request a custom quote for you or your business

Let’s talk about your insurance needs.

Our Partners

We’re proud to represent these leading insurance providers.
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram