Property PreservationistInsurance
Vacant Property Pros
For Property Preservationists

Property Preservation Insurance

Winterizing, mowing, handyman repairs, trash-outs, and securing vacant and bank-owned homes — property preservation work has its own risk profile. Here's what to know.

General information only. This page is for educational purposes and is not insurance, legal, or financial advice. It does not bind, guarantee, or confirm coverage. Coverage, terms, and availability vary by carrier, state, and individual risk. See our full disclaimer.
A for-sale sign in front of a bank-owned property awaiting preservation work

Yes, quotes are available for property preservationists

Property preservation is its own field, and quotes are available specifically for it. If you winterize vacant homes, act as a handyman on foreclosed properties, mow lawns, do basic landscaping, or handle light janitorial work for banks, mortgage servicers, asset management companies, or property preservation companies, general liability, professional liability (E&O), and cyber liability quotes are all available.

What property preservation work involves

Property preservationists keep vacant, foreclosed, and bank-owned properties from deteriorating — and get them ready for sale or re-occupancy. That typically includes:

  • Winterizing — draining water lines, shutting off water, and protecting the property from freeze damage.
  • Handyman work — repairs, board-ups, lock changes, and general maintenance.
  • Lawn maintenance and basic landscaping — mowing, trimming, and keeping the property from looking abandoned.
  • Debris removal and trash-outs — clearing a property left in disrepair.
  • Light janitorial work — cleaning to prep for a showing, sale, or re-occupancy.

All of this work is performed on vacant properties — not occupied family homes.

A distressed vacant house with broken windows and a damaged roof in need of preservation work

Why GL, professional liability, and cyber all matter

General liabilityis the foundation — it's the coverage most property preservation companies and asset managers ask their vendors to carry, and it responds to third-party bodily injury and property damage during your work. Professional liability (E&O) matters because this work is documented — a winterization job or a work order marked complete gets relied on by the servicer. Cyber liability matters because so much of the reporting today happens through vendor portals and mobile apps.

Eligibility

Quotes are generally available whether you're a one-person operation or a crew with employees and 1099 subcontractors. On the quote form, we'll ask about the number of owners active in the business, any employees, and any subcontractors — including how much you pay subcontractors annually, if applicable — so the details are accurate from the start.

Do you also do field inspections?

Some preservationists also perform occupancy and condition inspections for mortgage servicers. That's a closely related but distinct role — see our mortgage field inspector page for the details, and tell us about all the work you do on the quote form.

Get a property preservation quote →