{"id":179969,"date":"2024-07-17T10:00:00","date_gmt":"2024-07-17T14:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=179969"},"modified":"2026-03-31T16:22:06","modified_gmt":"2026-03-31T20:22:06","slug":"what-is-vacant-home-insurance-in-canada","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/what-is-vacant-home-insurance-in-canada\/","title":{"rendered":"What is vacant home insurance in Canada?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Are you planning to go on vacation to another country for a few months, accept a temporary contract out of town, or temporarily leave your home during major renovations? Here are a few reasons why you should get vacant home insurance to be covered in case of an incident: vandalism, theft, fire, or water damage. Otherwise, your <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">homeowner&#8217;s insurance<\/a> may deny your claim, as an empty house presents increased risks.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;What&#039;s the difference between an unoccupied house and a vacant house?&#8221; css=&#8221;&#8221; el_id=&#8221;what_039_s_the_difference_between_an_unoccupied_house_and_a_vacant_house_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>An unoccupied or vacant home presents increased risks, such as vandalism and theft. To protect yourself, you need to take out <strong>vacant home insurance<\/strong>, which usually comes with coverage limits and additional fees.<\/p>\n<p>Although the terms \u201cvacant home\u201d and \u201cunoccupied home\u201d have similar meanings, they are not the same when it comes to <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">home insurance<\/a> in Canada.<\/p>\n<ul>\n<li><strong>Vacant home<\/strong>: a home whose occupants have left and have no intention of returning. Utilities are cut off and most or all of the furniture has been removed from the house.<\/li>\n<li><strong>House unoccupied<\/strong>: this is a temporary absence, such as a vacation, and you intend to return. Household utilities and appliances are still working.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Why insure a vacant home?&#8221; css=&#8221;&#8221; el_id=&#8221;why_insure_a_vacant_home_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">There are many reasons to insure a vacant or unoccupied home.<\/p>\n<p>The main reason is liability insurance. For example, if a deliveryman or letter carrier falls and injures himself on your unmaintained stairs during the winter, you&#8217;d be protected from a lawsuit. In summer, if a pool is left unattended, someone could get hurt or drown.<\/p>\n<p>But that&#8217;s not the only reason. As mentioned above, an unoccupied or vacant home presents increased risks, such as vandalism and theft. Otherwise, faulty wiring could cause a house fire.<\/p>\n<p>If you haven&#8217;t taken out <strong>vacant home insurance<\/strong>, your insurer may refuse to indemnify you. Notifying your insurer allows you to benefit from full coverage until your home is occupied again At the same time, you&#8217;ll gain peace of mind.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;How do I obtain home insurance for a vacant or unoccupied home?&#8221; css=&#8221;&#8221; el_id=&#8221;how_do_i_obtain_home_insurance_for_a_vacant_or_unoccupied_home_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>When a house is empty and unattended for more than 30 consecutive days, the rule is that <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">home insurance<\/a> does not apply in the event of a claim. Your property is then considered &#8220;vacant&#8221; and your current home insurance policy may be cancelled. In addition, your claims will be denied. Note that the same rule applies to other types of housing: house, condo, apartment, cottage, vacation home, rental property, etc.<\/p>\n<p>So, if you&#8217;re going to be away from home for a long time, it&#8217;s essential to inform your insurance company as soon as possible. You can discuss your options with your insurer.<\/p>\n<p>However, you must understand that your insurer may refuse to insure your vacant home. If he agrees, he will add a rider or vacation permit to your current home insurance contract. Although you&#8217;ll have to pay an additional premium, you can leave your home vacant for an extended period and still be covered in the event of a claim.<\/p>\n<p>If there&#8217;s an issue with your current insurer, don&#8217;t hesitate to contact an insurance broker like <a title=\"ClicAssure\" href=\"https:\/\/milesopedia.com\/en\/go\/clicassure\/\" rel=\"noindex\">ClicAssure<\/a>. They have access to a number of insurers specializing in home insurance, and will generally present you with the best offer to suit your needs.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;What to do if you have a vacant or unoccupied house?&#8221; css=&#8221;&#8221; el_id=&#8221;what_to_do_if_you_have_a_vacant_or_unoccupied_house_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Of course, the first step is to contact your insurance agent or broker. Then, if necessary, take out <strong>vacant home insurance<\/strong>.<\/p>\n<p>Then, regardless of the reason your home is unoccupied or vacant, you can take several precautions. First, consider the daily, weekly and seasonal maintenance tasks you perform while living in your home before it becomes vacant.<\/p>\n<p>Also, you can (and should) shut off your home\u2019s water supply and drain the pipes to prevent them from freezing during the winter. If you know a trusted person, ask them to regularly check your home to ensure the heating is working properly, clear snow from your driveway and stairs, collect your mail, etc.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; css=&#8221;&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In short, if your home is empty or unattended for more than 30 consecutive days, your <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">home insurance<\/a> does not apply and your claims will be denied. To protect your unoccupied or vacant home, you need to take out <strong>vacant home insurance<\/strong>, which comes with limits and additional fees.<\/p>\n<p>To compare insurance quotes, use our <a href=\"https:\/\/milesopedia.com\/en\/compare-home-insurance\/\">home insurance comparison tool<\/a> to find the right home insurance for your needs.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Frequently asked questions about vacant home insurance&#8221; css=&#8221;&#8221; el_id=&#8221;frequently_asked_questions_about_vacant_home_insurance&#8221;][vc_toggle title=&#8221;What is the average cost of home insurance?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>The average price of <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">home insurance<\/a> varies according to a number of criteria, such as place of residence, type of dwelling and type of coverage. The average cost of home insurance is $87 ($1,044\/year) for a house, $31\/month ($372\/year) for a condo, and $23.50\/month ($282\/year) for a rental, according to our partner <a title=\"ClicAssure\" href=\"https:\/\/milesopedia.com\/en\/go\/clicassure\/\" rel=\"noindex\">ClicAssure<\/a>.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What&apos;s the cheapest home insurance?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>The cheapest <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">home insurance<\/a> is basic home insurance. It offers coverage limited to the risks listed in your insurance policy. Although more affordable, you should be prepared to cover the cost of any damage not included. Otherwise, compare with an extended or comprehensive policy.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Is tenant&apos;s insurance legally required in Canada?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>No,<a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">home insurance<\/a> is not legally required for tenants in Canada. But your landlord may require it to rent one of his apartments. This situation is very common among landlords who rent out furnished accommodation.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Which is the best home insurance company?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">Home insurance<\/a> premiums vary from one insurance company to another based on several criteria (e.g., place of residence, type of housing, type of coverage, claims history), but also according to the target clientele (e.g., some insurance companies do not want to insure homes in flood zones). So get several <a href=\"https:\/\/milesopedia.com\/en\/compare-home-insurance\/\">home insurance quotes<\/a> and compare them before making a decision. Or, contact an insurance broker like <a title=\"ClicAssure\" href=\"https:\/\/milesopedia.com\/en\/go\/clicassure\/\" rel=\"noindex\">ClicAssure<\/a>.<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Do you know what vacant home insurance is? In this article, we explain why and how to insure a vacant or unoccupied home. <\/p>","protected":false},"author":2455,"featured_media":179970,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[46377],"tags":[],"mc_loyalty_program":[],"class_list":["post-179969","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is vacant home insurance in Canada? | Milesopedia<\/title>\n<meta name=\"description\" content=\"Do you know what vacant home insurance is? 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