Limited cover · duty to inspect · squatting and frost
Insuring an unoccupied property
Vacancy is not a temporary pause in the risk but an increase in it. There is no supervision, damage is discovered late, and the building attracts unwanted use.
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- Objective analysis
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The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Once premises have stood empty for longer than a few weeks, most insurers limit cover to fire and storm. Water damage, frost damage, burglary and vandalism then fall outside it.
Insurers also set requirements: periodic inspection, draining the water supply, shutting off gas and electricity where possible, and sometimes vacant property management or live-in guardianship.
This page deals with one part. The overview of all parts is on the main page on property insurance.
What to look out for
Report vacancy immediately
Failing to report it is the most common reason for a claim on empty premises being refused. Even a short period between tenants counts.
Record the duty to inspect
Agree who inspects the premises and how often, and record it. You will be asked about it after a loss.
Frost and water are the biggest risk
A burst pipe in empty premises runs for weeks. Draining is the cheapest measure there is.
Vacant property management helps with acceptance
Live-in guardianship or vacant property management reduces the risk of squatting and vandalism and often widens the cover.
What determines the premium
- Rebuild value
- Expected duration of the vacancy
- Security and supervision
- Location and type of premises
- Whether or not there is vacant property management
This information is general in nature and is not personal advice. What is actually covered, including exclusions and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
Do my premises stay insured while empty?
Usually yes, but with limited cover: normally fire and storm only. Water, burglary and vandalism then fall outside it.
From when does that apply?
This varies by policy, often from a few weeks up to two months. Check the vacancy clause.
What measures are required?
Periodic inspection, draining the water supply, shutting off installations and sometimes vacant property management or live-in guardianship.
What if I do not report the vacancy?
The insurer may then refuse or reduce a payout. This is one of the most common grounds for refusal in property insurance.
What is covered and what is not
What is covered
| Situation | Basic | Extended |
|---|---|---|
| A fire spreading to your building from the neighbouring premises | Yes | Yes |
| A storm takes part of the roof covering with it | Yes | Yes |
| Metal thieves strip cabling and installations out of the building | No | Provided that |
| The facade is daubed with graffiti and windows are smashed at the rear | No | Provided that |
| Fire and contamination from a cannabis farm found to be operating in the building | No | No |
| Lost rent for the months the premises were not let | No | No |
Basic stands here for the limited cover during vacancy, and Extended for a policy with a vacancy clause or vacant property management.