{"id":15771,"date":"2018-05-04T11:42:52","date_gmt":"2018-05-04T15:42:52","guid":{"rendered":"https:\/\/www.assur360.ca\/vacant-home-insurance-get-a-quote\/"},"modified":"2026-04-20T15:12:32","modified_gmt":"2026-04-20T19:12:32","slug":"vacant-home-insurance-get-a-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/vacant-home-insurance-get-a-quote\/","title":{"rendered":"Vacant Home Insurance: Get a Quote"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}\n.entry-title{display:none!important}\n.a360-vac *{margin:0;padding:0;box-sizing:border-box}\n.a360-vac{font-family:'DM Sans',sans-serif;color:#334155;line-height:1.7}\n.a360-vac h2,.a360-vac h3,.a360-vac h4{font-family:'Sora',sans-serif;color:#0d1f2d}\n.a360-vac a{color:#10c4c7;text-decoration:none}\n.a360-vac a:hover{text-decoration:underline}\n\n\/* Hero CTA *\/\n.a360-vac .hero-cta{background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:56px 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img{width:160px}\n  .a360-vac .hero-btns{justify-content:center}\n  .a360-vac .img-section{flex-direction:column}\n  .a360-vac .img-section img{width:100%}\n  .a360-vac .steps{grid-template-columns:repeat(2,1fr)}\n  .a360-vac .final-cta{flex-direction:column;text-align:center;padding:40px 24px}\n  .a360-vac .eeat-grid{grid-template-columns:1fr}\n}\n<\/style>\n\n<div class=\"a360-vac\">\n\n<!-- HERO CTA -->\n<div class=\"hero-cta\">\n  <div class=\"hero-mascot\">\n    <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-maison-vacante.jpg\" alt=\"Assur360 vacant home insurance broker\"\/>\n  <\/div>\n  <div class=\"hero-content\">\n    <div class=\"hero-badge\">Unoccupied residence<\/div>\n    <h2 style=\"font-family:'Sora',sans-serif;font-size:clamp(26px,3.5vw,36px);font-weight:800;color:#fff;line-height:1.25;margin-bottom:16px\"><span class=\"ez-toc-section\" id=\"Vacant-Home-Insurance-in-Quebec\"><\/span>Vacant Home Insurance<br \/><span>in Quebec<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Protect your property even without an occupant. Our specialized brokers will find the right coverage for your situation: inheritance, sale, work abroad or renovation. <\/p>\n    <div class=\"hero-btns\">\n      <a href=\"https:\/\/www.assur360.ca\/en\/quote-home-solutions\/\" class=\"btn-teal\">Get my free quote\u2192<\/a>\n      <a href=\"tel:18663574451\" class=\"btn-outline\">1-866-357-4451<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- IMAGE + INTRO -->\n<div class=\"img-section\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2018\/05\/maison-vacante.jpg\" alt=\"Vacant home insurance in Quebec\"\/>\n  <div class=\"img-text\">\n    <h2><span class=\"ez-toc-section\" id=\"Is-your-home-unoccupied\"><\/span>Is your home unoccupied?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>We have the solution to insure your vacant home. Our brokers specializing in unoccupied homes offer a quick and easy solution to protect your property. <\/p>\n    <p><strong>At Assur360, you have the best of both worlds:<\/strong> start your quote online and be advised by an experienced broker who knows the particularities of vacant home insurance.<\/p>\n  <\/div>\n<\/div>\n\n<!-- ETAPES -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"How-it-works\"><\/span>How it works<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <div class=\"steps\">\n    <div class=\"step\">\n      <div class=\"step-num\">1<\/div>\n      <h4>Fill out the form<\/h4>\n      <p>Describe your vacant property and the reason for the vacancy in minutes<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">2<\/div>\n      <h4>Specialized Analysis<\/h4>\n      <p>Our brokers identify insurers that accept vacant homes<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">3<\/div>\n      <h4>Comparative Submissions<\/h4>\n      <p>Receive several offers tailored to your particular situation<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">4<\/div>\n      <h4>Active protection<\/h4>\n      <p>Your vacant home is covered, even without an occupant<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- CONTENU : DIFFERENCE VACANTE VS INOCCUPEE -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"What-is-the-difference-between-vacant-and-unoccupied-house\"><\/span>What is the difference between vacant and unoccupied house?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>A <strong>vacant home<\/strong> is a property that you don&#8217;t necessarily intend to return to. This is the case, for example, when you buy a new home without having sold your main residence. Rather, <strong>an unoccupied home<\/strong> is considered a temporary situation &#8212; an extended trip, major renovations, or a trip abroad for work.  <\/p>\n  <p>For insurers, the distinction is important. Most consider a house vacant after <strong>30 consecutive days of vacancy<\/strong>. Some allow up to 60 days. After this period, certain protections may be suspended, including theft, vandalism and certain water damage.   <\/p>\n\n  <div class=\"alert-box\">\n    <strong>Attention:<\/strong> Don&#8217;t forget to let your REALTOR\u00ae know if your home becomes vacant. This is an important situation to report. You risk losing a lot if your insurer had not been informed. A regular insurer will give you a kind of vacation permit for a fairly short term. After that, we&#8217;ll be there to help you &#8212; we have solutions.    \n  <\/div>\n\n  <h3>Common situations leading to a vacancy<\/h3>\n  <ul>\n    <li>Inheritance and liquidation of assets<\/li>\n    <li>Buying a new home before selling the old one<\/li>\n    <li>Working abroad or travelling for an extended period of time<\/li>\n    <li>Family Legacy<\/li>\n    <li>Major renovations making the property uninhabitable<\/li>\n    <li>Uninhabited seasonal property in the off-season<\/li>\n  <\/ul>\n<\/div>\n\n<!-- CONTENU : SUCCESSION -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"House-vacant-following-an-inheritance\"><\/span>House vacant following an inheritance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Has your insurer let you down following an inheritance that is longer than expected? We have solutions for you. We offer a home estate insurance policy. Our home insurer will cover, according to its conditions of acceptance, your home for the period of liquidation of the estate and until the sale of the house.   <\/p>\n  <p>Ask our insurance brokers who specialize in <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home insurance<\/a>. Estate coverage is a specific product that few insurers offer &#8212; our brokers know exactly where to look. <\/p>\n<\/div>\n\n<!-- CONTENU : COMMENT BIEN ASSURER -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"How-to-properly-insure-a-vacant-or-unoccupied-home\"><\/span>How to properly insure a vacant or unoccupied home<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Standard home insurance covers places of residence, but not vacant homes. It is very common for people to not pay attention to the exclusion clause for this element on insurance policies. This exclusion states that any house that remains vacant for a period of more than 30 days is excluded from home protection coverage. In other words, in the event of a claim, the insurer does not pay any compensation.   <\/p>\n  <p>It is therefore advisable to inform the insurer about the vacant home. He is the one who can accept or refuse to insure the premises. Acceptance is usually accompanied by a <strong>vacation permit endorsement<\/strong> added to the insurance policy, in addition to a surcharge to compensate for the additional risk. Certain exclusions are also to be expected, such as for vandalism, water damage or broken windows.   <\/p>\n  <p>The surcharge is justified by the higher risk in the case of vacant homes. Insurers often reject empty home insurance because there is a higher risk of fire, vandalism, theft and liability. To prevent such an inconvenience, it is recommended to contact an independent broker such as those at Assur360 who compare the offers of several insurers to find the best option in terms of unoccupied home protection.  <\/p>\n\n  <div class=\"highlight-box\">\n    <strong>Did you know?<\/strong>  Owners of vacant homes may consider selling the property so they don&#8217;t have to pay for protection for two homes. To get the best price, it is essential to value the house and keep it in good condition. Our brokers can support you in this transition.  \n  <\/div>\n\n  <h3>Tips for preserving your vacant property<\/h3>\n  <ul>\n    <li>Schedule regular visits to the vacant home or have it visited by someone you trust<\/li>\n    <li>Turn off water inlets and drain pipes &#8212; roofing a vacant home often excludes water damage<\/li>\n    <li>Keep the house heated during the winter season<\/li>\n    <li>Clear the entrance of snow during the winter<\/li>\n    <li>Maintain the lawn during the summer to prevent it from drying out<\/li>\n    <li>Plan an automated system for lighting<\/li>\n    <li>Keep curtains closed for privacy inside<\/li>\n  <\/ul>\n\n  <h3>Commonly insured cases<\/h3>\n  <p>For any owner of an unoccupied house &#8212; whether it contains furniture or not &#8212; it is possible to benefit from suitable insurance. Whether you intend to sell it, rent it out or the property is part of an estate, there are adequate coverages. <\/p>\n  <p>This insurance is also suitable for investors who buy homes to resell. All you have to do is contact a vacant home insurance expert at Assur360. Such protection covers legal and personal liabilities, as well as the market value of the property.  <\/p>\n<\/div>\n\n<!-- GEO -->\n<div class=\"geo-section\">\n  <p>Our brokers cover all of Quebec for vacant home insurance: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>. Wherever your unoccupied property is located, we have a suitable solution. <\/p>\n<\/div>\n\n<!-- EEAT -->\n<div class=\"eeat\">\n  <h3>Why trust Assur360?<\/h3>\n  <div class=\"eeat-grid\">\n    <div class=\"eeat-item\">\n      <span class=\"eeat-check\">\n\u2713<span>Brokers certified by the <strong>Autorit\u00e9 des march\u00e9s financiers (AMF)<\/strong><\/span>      <\/span>\n    <\/div>\n    <div class=\"eeat-item\">\n      <span class=\"eeat-check\">\n\u2713<span>Members of the <strong>Chambre de l&#8217;assurance de dommages (ChAD)<\/strong><\/span>      <\/span>\n    <\/div>\n    <div class=\"eeat-item\">\n      <span class=\"eeat-check\">\n\u2713<span>More than <strong>100,000 submissions<\/strong> processed in Quebec<\/span>      <\/span>\n    <\/div>\n    <div class=\"eeat-item\">\n      <span class=\"eeat-check\">\n\u2713<span><strong>100% independent<\/strong> &#8212; we compare for you<\/span>      <\/span>\n    <\/div>\n    <div class=\"eeat-item\">\n      <span class=\"eeat-check\">\n\u2713<span>Specific expertise in <strong>vacant houses and estates<\/strong><\/span>      <\/span>\n    <\/div>\n    <div class=\"eeat-item\">\n      <span class=\"eeat-check\">\n\u2713<span><strong>Free and non-binding<\/strong> quote<\/span>      <\/span>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- FAQ -->\n<div class=\"faq\">\n  <h2><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Vacant-Home-Insurance\"><\/span>Frequently Asked Questions &#8212; Vacant Home Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n  <details>\n    <summary>What is a vacant house in insurance in Quebec?<\/summary>\n    <p>A house is considered vacant when it is unoccupied for 30 to 60 consecutive days (depending on the insurer). Vacant properties pose a higher risk to insurers, which can lead to reduced or voided coverage if you don&#8217;t have the right coverage. <\/p>\n  <\/details>\n\n  <details>\n    <summary>How long can a house be empty before it is considered vacant?<\/summary>\n    <p>Most insurers consider a home vacant after 30 consecutive days of vacancy. Some allow up to 60 days. After this period, certain protections may be suspended, including theft, vandalism and certain water damage.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>How do I insure a vacant or unoccupied house in Quebec?<\/summary>\n    <p>Assur360 can put you in touch with insurers who specialize in vacant properties. There are products suitable for homes for sale, estates, renovations, or uninhabited seasonal properties. Fill out our form to get a free quote.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>What coverages are included in vacant home insurance?<\/summary>\n    <p>Typical coverages include fire, (partial) water damage, liability and sometimes vandalism. Theft and glass breakage coverage are often excluded. Each insurer has its own criteria &#8212; which is why an independent broker is essential for comparison.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>What is the cost of insurance for a vacant house in Quebec?<\/summary>\n    <p>Vacant home insurance usually costs more than standard insurance, due to the increased risk. The cost depends on the value of the property, its location and the expected length of time it will be vacant. Get a free quote with Assur360 to find out your rate.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>Does my home insurance cover my home if it becomes vacant?<\/summary>\n    <p>No, in the majority of cases. Standard home insurance excludes properties that are vacant after 30 days. It is imperative to inform your insurer of the vacancy and to take out a vacancy endorsement or a specialized policy to avoid any unpleasant surprises in the event of a claim.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>Can a vacant house be insured as an inheritance?<\/summary>\n    <p>Yes, Assur360 works with insurers that offer specific policies for estate properties. The cover can extend for the entire duration of the liquidation of the estate and until the sale of the property. <\/p>\n  <\/details>\n\n  <details>\n    <summary>What precautions should be taken to make it easier to insure a vacant home?<\/summary>\n    <p>Visit the property regularly, turn off the water inlets, keep the heat on in the winter, clear the snow from the driveway, maintain the lawn in the summer and install automated lighting. A well-maintained home makes it easier to get proper coverage and reduces premiums. <\/p>\n  <\/details>\n<\/div>\n\n<!-- FINAL CTA -->\n<div class=\"final-cta\">\n  <div class=\"final-mascot\">\n    <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/assur360-courtier-enso.png\" alt=\"Assur360 Broker\"\/>\n  <\/div>\n  <div class=\"final-text\">\n    <h2><span class=\"ez-toc-section\" id=\"Protect-your-vacant-home-at-the-best-price\"><\/span>Protect your vacant home at the best price<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Our AMF-certified brokers compare multiple insurers to find the best coverage for your vacant property &#8212; estate, sale or otherwise.<\/p>\n    <div class=\"hero-btns\">\n      <a href=\"https:\/\/www.assur360.ca\/en\/quote-home-solutions\/\" class=\"btn-teal\">Get my free quote\u2192<\/a>\n      <a href=\"tel:18663574451\" class=\"btn-outline\">1-866-357-4451<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<\/div><!-- end .a360-vac -->\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurance habitation\",\"item\":\"https:\/\/www.assur360.ca\/assurance-habitation\/\"},\n    {\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance maison vacante\",\"item\":\"https:\/\/www.assur360.ca\/assurance-maison-vacante\/\"}\n  ]\n}\n<\/script><script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"Qu'est-ce qu'une maison vacante en assurance au Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Une maison est consideree vacante quand elle est inoccupee pendant 30 a 60 jours consecutifs (selon l'assureur). Les proprietes vacantes presentent un risque plus eleve pour les assureurs, ce qui peut mener a une couverture reduite ou annulee si vous n'avez pas la bonne protection.\"}},\n    {\"@type\":\"Question\",\"name\":\"Combien de temps une maison peut-elle etre vide avant d'etre consideree vacante?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La plupart des assureurs considerent une maison vacante apres 30 jours d'inoccupation consecutifs. Certains accordent jusqu'a 60 jours. Passe ce delai, certaines protections peuvent etre suspendues, notamment le vol, le vandalisme et certains degats d'eau.\"}},\n    {\"@type\":\"Question\",\"name\":\"Comment assurer une maison vacante ou inoccupee au Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Assur360 peut vous mettre en contact avec des assureurs specialises dans les proprietes vacantes. Il existe des produits adaptes aux maisons en vente, aux successions, aux renovations ou aux proprietes saisonnieres non habitees.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quelles couvertures sont incluses dans l'assurance maison vacante?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les couvertures typiques incluent l'incendie, le degat d'eau (partiel), la responsabilite civile et parfois le vandalisme. Les protections vol et bris de glace sont souvent exclues. Chaque assureur a ses propres criteres.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quel est le cout d'une assurance pour une maison vacante au Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Une assurance maison vacante coute generalement plus cher qu'une assurance standard, en raison du risque accru. Le cout depend de la valeur de la propriete, de sa localisation et de la duree d'inoccupation prevue.\"}},\n    {\"@type\":\"Question\",\"name\":\"Mon assurance habitation couvre-t-elle ma maison si elle devient vacante?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, dans la majorite des cas. L'assurance habitation standard exclut les proprietes vacantes apres 30 jours. Il est imperatif d'informer votre assureur de l'inoccupation et de souscrire un avenant de vacance ou une police specialisee.\"}},\n    {\"@type\":\"Question\",\"name\":\"Peut-on assurer une maison vacante en succession?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, Assur360 travaille avec des assureurs qui offrent des polices specifiques pour les proprietes en succession. La couverture peut s'etendre pour toute la duree de la liquidation de la succession et jusqu'a la vente du bien immobilier.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quelles precautions prendre pour faciliter l'assurance d'une maison vacante?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Visitez regulierement la propriete, fermez les entrees d'eau, gardez le chauffage en hiver, deneigez l'entree, entretenez le gazon en ete et installez un eclairage automatise. Une maison bien entretenue facilite l'obtention d'une couverture adequate et reduit les primes.\"}}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Unoccupied residence Vacant Home Insurancein Quebec Protect your property even without an occupant. Our specialized brokers will find the right coverage for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":46370,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"%%post_title%%","_seopress_titles_desc":"Assur360 specialist in unoccupied and vacant houses. Get a vacant home insurance quote in minutes from a broker. ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Vacant Home Insurance: Get a Quote","_seopress_social_fb_desc":"Compare the best home insurance offers in Quebec. AMF certified broker.  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