Insurance vacant house To compare
Your vacant home is well insured. Specialist in uninhabited homes. We find comprehensive coverage where standard insurers only cover fire/storm.
🏚️ Premium indication 2025
Reporting obligation: Always report vacancies!
Has your home been vacant for more than 2-3 months? Report this immediately to your insurer. Vacancy is an increase in risk. Many insurers limit coverage to only fire, storm and lightning. Burglary, vandalism and water damage are then NOT covered. We find insurers who do offer extensive coverage in the event of vacancy.
When is your home vacant?
Various situations in which your home is temporarily or long-term uninhabited.
House for sale
Already moved, not sold yet
After Death
Legacy, awaiting sale
Renovation / Conversion
Temporarily uninhabitable
Nursing home / Hospital
Long-term recording
World trip / Expat
Abroad for a longer period of time
New construction Wait
Delivered, not yet involved
Second Home Empty
Holiday home unused
Between Tenants
Tenant change
Why is Vacancy Increased Risk?
👁️ No Daily Supervision
Damage is discovered later. Small problems grow into major damage due to lack of control.
🔓 Burglary & Squatting
Vacant homes are attractive to burglars and squatters. No one at home = free play.
🔥 Arson
Vacant buildings are more likely to become victims of arson. No residents = no quick detection.
💧 Water damage
Leaks go unnoticed. Frost damage to pipes when heating is off.
🏚️ Deterioration
Overdue maintenance, graffiti, decay. Makes buildings more attractive to criminals.
🌿 Hemp farm
Criminals can use vacant buildings for cannabis cultivation. Increases fire and lockout risk.
What IS and NOT Covered?
✅ Usually covered
- ✓ Fire & explosion
- ✓ Lightning strike
- ✓ Storm & hail
- ✓ Objects from the sky
- ✓ Collision
❌ Often NOT Covered (default)
- ✗ Burglary & theft
- ✗ Vandalism
- ✗ Water damage / leakage
- ✗ Glass breakage / window damage
- ✗ Frost damage pipes
💡 We are looking for extensive coverage: We work with insurers who also cover water damage, burglary and vandalism in the event of vacancy. Ask about the possibilities!
Measures & Premium reduction
Insurers can impose requirements. With the right measures you can also get a premium discount.
📋 Often Mandatory Measures
- ✓ Periodic check (weekly/biweekly)
- ✓ Working alarm system enabled
- ✓ Night lights on (deterrence)
- ✓ Delete mail regularly
- ✓ Remove graffiti immediately
- ✓ Continue to perform gutter maintenance
💰 Tips for Lower Premium
- ✓ Anti-squatting / vacancy management (KLB certified)
- ✓ Basic heating on (frost prevention)
- ✓ Shut off water pipes in winter
- ✓ Install cameras with storage
- ✓ Fencing / boarding windows
- ✓ Regular outdoor inspection of the site
How much does vacant home insurance cost?
Indicative premiums 2025. Premium higher than occupied home due to increased risk. Depending on duration of vacancy, location and measures.
Apartment vacancy
Reconstruction value up to €250K
House for sale
Reconstruction value €250K-€500K
Long-term vacancy
Reconstruction value €500K+, 6+ months
Why Choose Us?
Vacancy Specialist
We know the specific risks and find solutions where standard insurers only cover fire.
Extensive Coverage
We are looking for insurers who also cover water damage, burglary and vandalism in the event of vacancy.
Reporting obligation Help
We help you report vacancies correctly so that you remain insured in the event of damage.
Competitive Premiums
Despite increased risk, we find competitive premiums by comparing 30+ insurers.
Anti-squat Knowledge
We advise on vacancy management and the influence on your insurability and premium.
Fast Claims Settlement
We are ready to help you in the event of damage. Advance payment for quick repair.
100% Independent
We advise in your interest, not that of the insurer.
50+ Years of Expertise
More than 50 years of experience in property insurance for special situations.
Frequently Asked Questions
Want to insure your vacant home?
Specialist in vacancy. Extensive coverage possible. Request a quote without obligation.
