Do you need home insurance for land?

I just bought a piece of land in the country. Eventually, I’d like to build a home on it, but for right now, I’ll be keeping it empty. I know most people get home insurance, but do I need home insurance for land?

Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on the new purchase. A home in the country sounds awesome, and in most cases, you don’t need home insurance for vacant land.
Most common
home insurance
policies exclude land from coverage—even if a structure is standing on it. Since you don’t have a dwelling or any other structures located on your property, you couldn’t get a traditional home insurance policy to cover it.
However, vacant land policies do exist. Vacant land policies are liability-only policies that only protect you from any injuries that may occur on your land. If you plan to have people on your land, it may be worth purchasing.
That said, it isn’t a requirement by law to purchase vacant land insurance unless you financed your land and your lender requires it.
Should you decide you’d like to purchase coverage, you can start by checking with your
car insurance company
. Most major insurers offer a variety of insurance products, so you may find a lower rate by bundling your coverage with an existing policy.
If you have questions about coverage or want more information about vacant land coverage, consider using
. Jerry’s experienced and friendly team of agents is here to answer your questions and provide advice on the best coverage options.
View full answer 
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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