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Residential Vacant Homes Insurance
Residential Vacant Homes Insurance Vacant Homes Insurance
A dwelling can be vacant for a multitude of reasons. Whether it is for sale, an inheritance, minor renovations, during the search for tenants, for a temporary vacancy (snowbirds, professional mutation, ...) or because of departure in a residence for elderly people, discover our offer for vacant dwellings.
**Available for Ontario and Quebec
Target
- Vacant building undergoing minor renovations that do not affect the building structure, representing up to 50% of the building
- Building with a known insurance interruption of less than 6 months
- Building vacant for less than 48 months
- Vacant condo
- 6 units or less
- Vacant building in the name of an estate or a company
- Vacant building undergoing minor renovations
- Mobile/modular homes (in mobile home parks only)
Contact
Quebec
+1 (514)-789-2399
FR:ext. #2060 & EN: #2061
ON & Western Canada
+1 (437) 317-0477
FR:ext. #2060 & EN: #2061
Coverage
Quebec
- Total amount of insurance for a protected area up to $1,500,000
- Total amount of insurance for a semi-protected area up to $1,110,000
- Total amount of insurance for an unprotected area up to $750,000
- Replacement cost available under certain conditions
Ontario & West
- Total insured value for protected and semi-protected areas up to $3,000,000
- Total insured value for an unprotected area up to $750,000
- Replacement value available under certain conditions
Underwriting norms
Quebec
- Available as a stand-alone policy
- No credit check: premiums will not be increased due to poor credit or lack of credit
- Also available for non-standard risks
- Vacant building not intended to be demolished
- Vacant building not located on an island
- Building not under construction
- Building with no insurance coverage interruption of more than 6 months
- Building vacant for 48 months or less
Ontario & West
- No non-standard mortgagees or repossessions
- Vacant building not intended to be demolished
- Vacant building not located on an island
- Building with insurance interruption of 6 months or less
- Building vacant for 48 months or less