Property & Rentals

Vacant Property Insurance in Ontario

Empty buildings attract risk. Insure the in-between.

Vacancy changes everything insurers assumed: no one notices the burst pipe, the break-in, or the fire until damage compounds. Standard policies restrict or void coverage after 30 days vacant — often without the owner realizing.

We arrange vacant-property coverage for estates, renovations, and listings in limbo, with inspection conditions made explicit.

What the package includes

Vacant property coverage for fire, weather, and vandalism
Commercial general liability (CGL) for third-party injury and property damage
Renovation-period coverage where work is under way
Flexible short terms for in-between periods

Good to know

Frequently asked questions

My house has been empty six weeks — is my regular policy still good?: Probably impaired: most policies cut key coverages (water, glass, vandalism) or void entirely past 30 days without a vacancy permit. Call before the 30th day, not after the loss — vacancy coverage is easy to arrange in advance.
How much does vacant property insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get vacant property insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

More industries

Packages for other industries

Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

Our insurer partners

We compare Canada's leading insurers for you

We compare our full panel of commercial insurers to build and price your industry package.

Speak with an advisor

Get your business its best insurance.

A fast, no-obligation quote from Canada's commercial insurance specialists. Real advice, the whole market compared, and someone who picks up the phone.

Get a quote Contact us

Frequently asked questions

My house has been empty six weeks — is my regular policy still good?

Probably impaired: most policies cut key coverages (water, glass, vandalism) or void entirely past 30 days without a vacancy permit. Call before the 30th day, not after the loss — vacancy coverage is easy to arrange in advance.

How much does vacant property insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get vacant property insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.