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Vacant Dwelling Insurance

Homes for Sale

If you’re waiting for your home to sell and vacate the property while you wait, it’s best to insure your property while it’s empty. Vacant properties come with special risks because they are left unchecked for periods.

Rental Properties

If you’re searching for the right tenant, our vacant dwelling insurance may be the perfect fit. We offer affordable coverage with flexible payment options and prorated cancellation if your home is occupied before the year ends. These policies can easily be transferred to a landlord policy if you find the right tenant.


Whether you’re renovating a rental property or your primary residence, it’s imperative to have the right vacant dwelling insurance policy to protect your assets. Our policies protect your home from damage, vandalism, and other loss during renovations.

New Purchase

Some homeowners purchase a new property before they’re ready to move in. Our vacant dwelling policies help protect your new home until you’re ready to move. Get the coverage you need from the team you can trust to protect your dwelling while it’s unoccupied.

Protect Your Vacant Dwelling with Our Affordable Insurance Policies

Vacant dwelling insurance policies give you peace of mind your property is safe when unoccupied. While you may not think you need vacant dwelling insurance, it becomes an invaluable asset when damage occurs.

Affordable Rates

We offer flexible plans that help ensure your property is protected while it’s unoccupied. Enjoy affordable rates with 12-month policies that offer prorated cancellation if your dwelling becomes occupied.

Customized Policies

No matter the size or type of property you have, you need to protect your assets. We’ll customize a policy to meet the unique needs of you and your family.

Friendly Agents

Our team is dedicated to helping you find the right policy for your needs. We’ve built strong relationships with our clients through the years, meeting your insurance needs in various ways.

Peace of Mind

A well-fitted vacant dwelling policy is critical to your peace of mind. When you work with AMC Insurance, you have the protection you need to secure your assets and avoid the financial impact of property damage.

Vacant Dwelling Insurance

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Who Is Vacant Dwelling Insurance For?

Vacant structure insurance protects an unoccupied structure during a vacancy, should it sustain physical loss or damage. While clients vary, the most common types of vacant dwelling insurance include landlords between tenants, homeowners selling their property, and house flippers.

Why Do I Need Vacant Dwelling Insurance?

Vacant home insurance is designed to protect your property from damage when it is unoccupied. This can save you from the financial responsibility of fire, water, weather, and smoke damage. Coverage for vandalism and theft can also be added.

What Does Vacant Dwelling Insurance Cover?

While policies vary, most vacant dwelling insurance covers residential structures such as single-family homes, condominiums, townhouses, duplexes, triplexes, and fourplexes. Anchored mobile homes and other permanent foundations may also be covered. Coverage includes financial protection from fire, lightning, explosions, windstorms, hail, smoke and water intrusion, and further damage.

Is There a Deductible with Vacant Dwelling Insurance?

Like most coverages, your vacant dwelling liability insurance does have a deductible. Work with your agent to find the right option for your budget. You’ll determine the amount of your deductible when securing your coverage.

How Much Does Vacant Dwelling Insurance Cost?

Costs vary from one policy to another, but several factors determine your premium rates, including your property value, type of dwelling, age of the property, and other factors.

Ready to Get a Vacant Home Insurance Quote?

Get started today! Our agents are ready to help you find the right vacant dwelling policy for your needs. Call today for a free quote.


AMC Insurance Acquires All Risk Insurance Agencies Ltd.
Our New office in Downtown Vancouver is located at 206 Davie St, Vancouver, BC V6B 5Z6

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