Property · Insurance Term
Vacancy Permit Endorsement
Definition
A vacancy permit endorsement is an add-on to a property policy that suspends or relaxes the vacancy clause for a set period and set locations. It lets you keep coverage for losses like vandalism and sprinkler leakage while a building is empty, usually for an extra premium.
In Plain English
The standard vacancy clause restricts coverage after 60 days of vacancy. A vacancy permit endorsement names the building and the permit period and lists which restricted causes of loss are restored.
Some versions restore only certain causes, such as sprinkler leakage, and still exclude vandalism. Read which ones are included.
Insurers may require conditions like regular inspections, working alarms or heat during the permit period.
Not sure how your policy handles this? Have us review it, or get a quote.
Example
Hypothetical: an owner plans to keep a building empty for six months between tenants. The insurer issues a six-month vacancy permit restoring vandalism and sprinkler leakage coverage, on the condition of weekly inspections.
What to Watch For
- Ask for the permit before the 60-day mark.
- Check which causes of loss are restored.
- Follow any inspection or heating conditions.
- Renew the permit if the vacancy lasts longer than planned.
Last updated October 14, 2026 · Primesure editorial team · How We Write