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Unoccupied and Vacant Home Insurance

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Click Here online vacant property application pdf copy of vacant property application

Vacant Property Insurance


If you are going to leave your house or any other type of property vacant for more than a month, your insurance policy will likely not provide coverage for this scenario. In this case, you would need to purchase vacant property insurance. There is usually a stipulation in Standard Insurance that a property cannot be vacant for more than 30 days. The reasoning behind this is that a vacant home can attract trespassers or be a target for vandalism.

Furthermore, if there is a water pipe burst or any other type of sudden accident it would remain undetected in a vacant property and thus the damage will be much greater than it would be otherwise.

Purchasing vacant property insurance will provide you with coverage against fire, lightning, earthquakes, explosions, and aircraft. You can also purchase additional coverages that would cover any contents at the property as well.

The cost of vacant property insurance policy depends on a few factors.

How long will the property be vacant?
The reason for the property has remained vacant?
What is the plan for this property?
will there be any rebuilding or renovating?
Is the property secured?
Is it being looked after during the period that it is vacant?
Will the property be sold or rented?

Welcome to Toronto Insurance Solutions, your reliable source for insurance information in the Greater Toronto Area. As a local insurance broker based in Markham, Ontario, I am dedicated to providing my clients with comprehensive coverage options for all their insurance needs, serving towns and cities across the province.



For an appointment to discuss your needs, contact me.

I will set up a time which is best suitable for you and will personally come to your workplace to discuss all of your insurance needs.

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Leon Levi (R.I.B LLQP)
Commercial Insurance Account Executive

800 Denison St, Suite 200
Markham, Ontario L3R 5M9