Vacant or Unoccupied Home Insurance Specialized Protection for Your Property
Whether it's a long trip, an ongoing estate, or a property waiting to be sold, you deserve peace of mind.
We understand that leaving your home unoccupied can be a source of concern.
At Covalen, we offer comprehensive protection tailored to the specific needs of vacant properties. This lets you preserve your investment with the peace of mind of knowing your property is in good hands, providing you with security and reassurance.
Let us take care of your home as if it were our own.
These figures underline the importance of adequate protection for your vacant property.
Top 5 risks associated with a vacant or unoccupied home
Suitable insurance for unoccupied homes offers protection against unique risks. Here are the main risks covered :
- Vandalism and intrusion : Protection against damage caused by malicious acts and forced entry into your unoccupied property.
- Water damage : Coverage for damage caused by leaks, burst pipes, or seepage is often more severe in unoccupied homes.
- Fire : Protection against damage caused by fire, with particular attention to the increased risks in unattended properties.
- Weather damage : Coverage for storm, hail, snow and other weather damage to your unoccupied home.
- Theft of materials or equipment : Protection against theft of home components is essential for properties undergoing renovation or newly built.
Familiar situations involving vacant or unoccupied homes
A variety of circumstances can lead to a home being left unoccupied. At Covalen, we understand these situations and offer solutions tailored to each of them.
Property for sale
Your home is on the market and waiting for a new owner.
Second home
Your vacation home is only occupied seasonally
Major renovation
Your property is temporarily uninhabitable due to major renovations.
Prolonged hospitalization
The owner is absent for medical reasons or long-term care.
Pending estate
The property is part of a pending estate.
Work abroad
The owner has left to work overseas for an extended period.
Between tenancies
The property is temporarily empty between the arrival and departure of tenants.
GET YOUR CUSTOMIZED COVERAGE
Whatever your situation, Covalen has the proper insurance solution to protect your unoccupied property.
Why choose Covalen for your vacant home insurance ?
- Specialized expertise in unoccupied property insurance
- Partnerships with leading insurers in the Quebec market
- Customized solutions for different vacancy durations
- Competitive rates and flexible coverage options
- Dedicated customer service and simplified claims management
Types of situations for which we have expertise.
- Temporarily unoccupied principal residences
- Estate homes
- Properties undergoing renovation
- Second homes
- Unoccupied homes for sale
Get a quote for your vacant or unoccupied home insurance
Protecting your unoccupied property has always been challenging. At Covalen, we've optimized our process to offer you customized coverage in just a few steps :
- Personalized evaluation
Contact Covalen for a thorough evaluation of your situation. Our experts will take the time to understand the specifics of your vacant property. - Detailed description of your property
Share the details of your vacant home: the length of the vacancy, the reason for the vacancy, the security measures in place, etc. The more we know, the better we can tailor your coverage. - Customized coverage options
Receive coverage options carefully tailored to your situation. We'll present several choices to suit your specific needs and budget. - Expert advice
Benefit from the expertise of our advisors, who specialize in unoccupied property insurance. They'll guide you toward the best protection for your vacant home, ensuring you feel valued and important. - Choose your peace of mind
Choose the solution that suits you best. With Covalen, you can rest assured that your unoccupied property is well protected, no matter the circumstances.
Don't wait any longer for the protection you need.
Get your free quote today and protect your vacant home !
Special policies are available for long-term unoccupied properties like estate homes.
Generally, some extreme events may require additional coverage.
Yes, but make sure your policy includes explicitly this coverage.
Your liability insurance should cover this, but check your policy details.
Always inform your broker/insurer of any property occupancy change.
Yes, specific policies exist for unoccupied properties undergoing renovation.
Install security systems, conduct regular inspections and choose a higher deductible.
Yes, but check the policy details, as some types of water damage may be excluded.
Generally, special insurance is required after 30 to 60 days of vacancy.
Vacant homes present unique risks (vandalism, undetected damage) that are not covered by standard policies.
Talk to an expert today
Call us today for a free assessment of your insurance needs and find out how we can give you the peace of mind you deserve. We're here to help.
Fill out our online form.
For a fast, free assessment of your insurance needs, please take a few moments to complete our form. One of our experts will then contact you to discuss the best protection for your situation.