A home is considered vacant when it remains unoccupied for an extended period—often while waiting to be sold, rented, or due to a temporary departure (such as relocation, inheritance, hospitalization, etc.).
However, a standard homeowners insurance policy—designed for an occupied residence—typically does not cover a home left vacant for too long. This exclusion is mentioned in many insurance policies. Generally, after 30 days of vacancy, some coverages may be suspended—or even voided—in the event of a claim.
Why Insure a Vacant Home?
Even when unoccupied, a home remains exposed to several major risks:
- Theft and break-ins
- Fires
- Water damage
- Vandalism
- Liability (e.g., a water leak causing damage to a neighbor’s property)
Without proper coverage, the homeowner could be held personally liable for damages. It is therefore essential to adjust your insurance to reflect the home's vacant status.
Types of Suitable Insurance
Depending on your situation, your broker may suggest:
- Extended coverage on your current policy: If the vacancy is temporary (vacation, hospitalization, renovations), you may request an extension of your current policy.
- Attention: After 30 days of vacancy, protections like theft or water damage are often suspended.
- Specialized vacant property insurance: If the vacancy is long-term (sale, inheritance, relocation), it’s often best to obtain a dedicated policy tailored to the increased risks
Key Clauses to Review
Before deciding, closely review the following in your policy:
- Vacancy clause: Often limits coverage after a certain number of days without occupancy.
- Security requirements: Some policies mandate specific precautions (alarm systems, closed shutters, regular inspections).
- Notice deadlines: You may be required to inform your insurer if your home becomes vacant for a prolonged time.
What Does Vacant Home Insurance Cover?
These policies or endorsements typically provide limited coverage, focusing on specific named risks such as:
- Fire
- Lightning
- Windstorm
- Hail
- Explosion
- Liability coverage:
However, some coverages are often excluded, including:
- Vandalism
- Malicious acts
- Glass breakage
- Water damage
Practical Tips to Protect a Vacant Home
- Have a trusted person visit the property regularly.
- Assign a local contact for emergencies.
- Keep records of maintenance and inspections (photos, receipts, reports).
- Ensure all required security measures are in place.
Summary
If your home remains vacant for an extended period, your current insurance might not be enough. To avoid unpleasant surprises in case of a claim, it’s essential to speak with your broker or insurer to adjust your policy according to your situation.
For any questions, do not hesitate to contact our brokers : 1 866 961-3553
