Vacant Land Policy Feature Checklist
What to confirm in a vacant land policy — what's standard, what's often limited, and what to add if needed — plus the gap most often missed.
Pull out your current vacant land or liability policy and check the box next to each feature you can confirm it includes — anything unchecked is worth a quick conversation with your advisor.
Tick each feature you can confirm your policy includes — anything left unticked is a good question for your next policy review.
| Confirm? | Policy feature | What to confirm | Priority |
|---|---|---|---|
| Premises Liability for the Land | Covers injuries to people on your land — including trespassers in some states. | Standard | |
| Every Parcel Listed | Confirm each parcel number or address is on the policy — unlisted land may not be covered. | Standard | |
| Limit Fits the Exposure | Water, roads, and nearby homes raise the stakes — confirm the limit. | Standard | |
| Ponds & Water Hazards | Some policies exclude or limit claims from ponds and lakes. | Often limited | |
| Recreational Use (ATVs, | Hunting, Fishing) Often excluded — even when you didn't give permission. | Often limited | |
| Leases & Permitted Uses | Hunting, farming, or parking leases may need to be added. | Often limited | |
| Pollution & Dumping | Standard liability excludes pollution — dumped waste or old tanks need separate coverage. | Often limited | |
| Fences, Signs & Structures | Physical damage to items on the land isn't covered by a liability-only policy. | If needed | |
| Umbrella Over the Land | Confirm your umbrella lists this land. | If needed | |
| Grading or Construction | Development work usually needs contractor or builders risk coverage. | If needed |
The gap most often missed in this coverage
The gap most often missed with vacant land is what happens on it without your permission. Ponds draw children, dirt roads draw ATVs and hunters, and dumped waste becomes the owner's bill — cities now charge thousands to clean up. Many land policies exclude recreational use, water hazards, or pollution. Fence and post the land, list every parcel, and confirm coverage for water hazards and any leases or permitted uses.
Send us the checklist and we'll review your vacant land coverage line by line, then market it across multiple carriers that compete for your account.
Related: Vacant Land Insurance · Vacant Land Supplemental (apply) · All coverage checklists
Frequently asked questions
What should a vacant land policy include?
Standard features to confirm in a vacant land policy include Premises Liability for the Land, Every Parcel Listed, Limit Fits the Exposure. This checklist also flags the features that are often limited or sublimited and the ones to add if needed, with a plain-English note on each.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my vacant land coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.