<p>[Customizable letter from an agent to a Builder to prospect for Vacant business]</p><p>[Date] [Builder’s Name] [Address] [Address]</p><p>We have the insurance you need for unoccupied spec homes! </p><p>Dear [Builder’s Name],</p><p>Consider a situation when a home becomes vacant, like when you complete construction on a spec home and the home goes up for sale. As you may know, a vacant home can be difficult to insure – but we have the solution.</p><p>Our agency is proud to represent Foremost Insurance Company, the leading specialty insurer. Foremost has a policy designed specifically for vacant properties. Some highlights of their policy are:</p><p> Pro-Rated Cancellation – Foremost’s vacant policy is written as a full year policy, but customers can cancel at any time, subject to a minimum earned premium. Other companies may offer a three or six month policy, but they won’t refund any premium if the customer cancels during the term.</p><p> Up to Two Years of Coverage – Unlike most carriers, Foremost will allow the risk to be insured for up to 24 months.</p><p> Higher Liability Limits – The Foremost program includes higher liability limits than many other companies’ programs. We also offer higher deductibles.</p><p> Vandalism Coverage – Foremost offers optional Vandalism coverage – many companies do not.</p><p>You can help make sure your properties are adequately insured. Call me personally or have your customers give me a call. My business card and number are enclosed. We’ll be happy to give you a quote. </p><p>Cordially, [Agent signature] [Agent name]</p><p>969208 6/08</p>