Insurance vacant building To compare
Your vacant property is well insured, even if it remains vacant for a long time. Extensive coverage possible, not just fire/storm. We find a solution where others give up.
🏚️ Premium indication 2025
Reporting obligation: Always report vacancies!
Is your building empty? Report this to your insurer within 30 days. Vacancy is an increase in risk. If you do not do this, the insurer may refuse to pay out in the event of damage, even if you pay the premium. You must also report anti-squatting, temporary occupancy or change of use. We will help you with the correct notification.
We Insure All Vacant Properties
From temporary vacancy to long-term unused real estate. Any type of property.
vacant house
Sale, inheritance, renovation
Empty office
Repurposing, sale
Vacant storefront
Bankruptcy, moving
Vacant warehouse/hall
Business closure
Vacant catering premises
Takeover, renovation
Transformation building
Repurposing, renovation
Anti-squat property
Vacancy management, squatting watch
Demolition of Waiting Building
Awaiting demolition
Why Increased Risk at Vacancy?
👁️ No Supervision
No daily inspection means that damage (leakage, burglary) is only discovered late. Small problems become major damage.
🔓 Burglary & Squatting
Vacant buildings are attractive to burglars and squatters. Copper theft, vandalism and illegal use are lurking.
🔥 Arson
Vacant buildings are more likely to be victims of arson. No residents means no quick detection or extinguishing.
💧 Water damage
Leaks go unnoticed. Frost damage to pipes when heating is off. Flooding due to clogged gutters.
🌿 Hemp farm
Criminals use vacant buildings for cannabis cultivation. This greatly increases fire and environmental risk and leads to insurance exclusion.
📉 Deterioration
Overdue maintenance, graffiti and disrepair make the building even more attractive to criminals and more difficult to insure.
Prevention & Insurability
🔒 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
💡 Premium Reduction Tips
- ✓ Anti-squatting/vacancy management (KLB certified)
- ✓ Basic heating on (frost prevention)
- ✓ Shut off water pipes in winter
- ✓ Install cameras with storage
- ✓ Fencing or boarding at windows
- ✓ Regular outdoor inspection of the site
Standard vs. Extensive Coverage
Many insurers only offer fire/storm cover in the event of vacancy. We also offer comprehensive coverage.
Fire & Explosion
Coverage for fire, lightning and explosion. Covered as standard by most insurers in the event of vacancy.
Covered as standardStorm & Hail
Damage to roof, facades and windows due to storms. Covered as standard by most insurers in the event of vacancy.
Covered as standardWater damage
Leaks, precipitation, burst pipes. NOT standard when vacant. We find insurers who DO cover this.
Extensive CoverageBurglary & Vandalism
Damage caused by burglars, squatters and vandals. NOT standard when vacant. We find insurers who DO cover this.
Extensive CoverageGlass breakage
Windows, glass doors, cladding. Separate glass insurance is recommended for large glass surfaces.
Can be closed separatelyInduction & Short Circuit
Damage to installations due to power failure. NOT standard when vacant. We find insurers who DO cover this.
Extensive CoverageHow much does Vacancy Insurance cost?
Indicative premiums 2025. Premium higher than occupied property due to increased risk. Prevention can reduce premiums.
vacant house
Reconstruction value up to €400K
Vacant commercial property
Reconstruction value €400K-€1M
Large Vacant Property
Reconstruction value €1M-€3M
Why Choose Us?
Vacancy Specialists
We find solutions where other insurers and advisors fail.
Extensive Coverage
Not only fire/storm, but also water, burglary and vandalism are possible.
Reporting obligation Help
We will help you with the correct notification to your insurer to maintain coverage.
Personal Advice
Your regular advisor knows your situation and advises on prevention and coverage.
Anti-squat Knowledge
We know the conditions for anti-squatting and vacancy management at insurers.
Fast Claims Settlement
We are ready to help you in the event of damage, even if the building is vacant.
30+ Insurers
We compare all insurers that accept vacancy.
50+ Years of Expertise
More than 50 years of experience in real estate that is difficult to insure.
Frequently Asked Questions
Want to insure a vacant property?
Specialists in real estate that is difficult to insure. Extensive coverage possible. Request a quote without obligation.
