Limited cover · notification · frost
Insuring an unoccupied house
When a property stands empty, most insurers limit cover to fire, storm and lightning. That is a considerable difference.
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What changes
After a period standing empty — often two to three months — cover lapses for burglary, vandalism and water damage under most policies.
What remains is fire, storm and lightning. That is precisely not what an empty property is vulnerable to.
What you must report
Report the vacancy yourself. If you conceal it and damage occurs, the payout may be refused under Article 7:928 of the Dutch Civil Code, even for a cause unconnected with it.
For a home that is up for sale or to let, a vacancy arrangement with wider cover is possible for an additional premium.
Frost is the biggest risk
Burst pipes in an unheated property cause enormous damage. Drain the water or maintain a minimum temperature ; that is a condition under virtually every policy.
If you do not, it counts as neglect and frost damage is not paid anywhere.
What else you can do
Have the property check periodically and record when that was done. If you use a live-in guardian or temporary occupants, report it, because it changes the risk and sometimes your cover.
Frequently asked questions
The questions we are asked most often about this.
What changes when a property stands empty?
Cover is often limited to fire, storm and lightning.
From when does that apply?
Often after two to three months; this varies by policy.
Do I have to report a vacancy?
Yes; concealing it can lead to refusal of a claim.
What is the most important measure?
Draining the water or maintaining a minimum temperature against frost damage.
Is there a separate arrangement?
Yes, a vacancy arrangement with wider cover for an additional premium.
What about temporary occupation?
Report it; it changes the risk and sometimes your cover.
What is covered and what is not
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Fire caused by a short circuit in the meter cupboard of the empty house | Yes | Yes |
| A storm lifts tiles off the roof and rain gets in | Yes | Yes |
| Burglars strip the boiler and the radiators out of the property | No | Provided that |
| A leaking washing machine connection runs for weeks before anyone notices | No | Provided that |
| Squatters move in and damage floors and doors | No | Provided that |
| Theft of the furniture you still had in the house | No | No |
Basic stands here for the limited cover that remains after a few months of vacancy, and Extended for a policy with a vacancy arrangement.