{"id":2381,"date":"2025-08-16T16:56:45","date_gmt":"2025-08-16T16:56:45","guid":{"rendered":"https:\/\/www.langelierassurances.com\/are-you-insured-if-your-home-is-unoccupied\/"},"modified":"2025-08-16T16:56:45","modified_gmt":"2025-08-16T16:56:45","slug":"are-you-insured-if-your-home-is-unoccupied","status":"publish","type":"post","link":"https:\/\/www.langelierassurances.com\/en\/are-you-insured-if-your-home-is-unoccupied\/","title":{"rendered":"Are you insured if your home is unoccupied?"},"content":{"rendered":"

UNOCCUPIED OR VACANT CONDO: ARE YOUR INSURANCE COVERAGES STILL VALID?<\/span><\/h4>\n

Did you know that if your condo becomes vacant, i.e. you’ve left the premises for good with no intention of returning? You must notify your home insurer immediately. <\/span><\/p>\n

This step is essential to maintain your insurance coverage. In the event of a claim, if your insurer discovers that the residence was vacant without having been informed, it could refuse compensation. <\/span><\/p><\/blockquote>\n

WHY REPORT A VACANT CONDO TO YOUR INSURER?<\/span><\/h5>\n

An unoccupied building represents an increased risk for insurers: intrusion, vandalism, undetected water damage, fire not quickly brought under control, and so on. That’s why it’s mandatory to declare this situation to your home insurance broker or directly to the insurer. <\/span><\/p>\n

WHAT ARE THE POSSIBLE CONSEQUENCES?<\/span><\/h5>\n

Once informed, your insurer can :<\/span><\/p>\n

    \n
  • Reduce certain protections<\/b>such as <\/span>vandalism<\/b>
    \n<\/b><\/li>\n
  • Increase your franchise<\/span>
    \n<\/span><\/li>\n
  • Reduce the amount of insurance<\/span>
    \n<\/span><\/li>\n
  • Impose specific <\/span>specific conditions<\/b> (regular visits, alarm systems, etc.)<\/span><\/li>\n<\/ul>\n

    By failing to declare a vacancy, you expose yourself to a refusal of compensation in the event of a claim, which could have major financial consequences.<\/span><\/p>\n

    IN SUMMARY<\/span><\/h5>\n

    If your condo is empty, even temporarily, make it a habit to inform your insurer or broker as soon as possible. He’ll be able to advise you on : <\/span><\/p>\n

      \n
    • The <\/span>maximum length of vacancy allowed<\/b>
      \n<\/b><\/li>\n
    • Visit <\/span>steps you can take to keep your protection<\/b>
      \n<\/b><\/li>\n
    • Visit <\/span>impact on your home insurance premium<\/b><\/li>\n<\/ul>\n

      Better safe than sorry. Think about it! <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

      Did you know that if your condo becomes vacant, i.e. you’ve left the premises for good with no intention of returning? You must notify your home insurer immediately. <\/p>\n","protected":false},"author":3,"featured_media":2380,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Vacant condo: impact on your home insurance","_seopress_titles_desc":"A vacant condo increases risks: vandalism, water damage, fire. Find out why notifying your insurer protects your home insurance coverage. ","_seopress_robots_index":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-2381","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-insurance"],"_links":{"self":[{"href":"https:\/\/www.langelierassurances.com\/en\/wp-json\/wp\/v2\/posts\/2381","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.langelierassurances.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.langelierassurances.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.langelierassurances.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.langelierassurances.com\/en\/wp-json\/wp\/v2\/comments?post=2381"}],"version-history":[{"count":0,"href":"https:\/\/www.langelierassurances.com\/en\/wp-json\/wp\/v2\/posts\/2381\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.langelierassurances.com\/en\/wp-json\/wp\/v2\/media\/2380"}],"wp:attachment":[{"href":"https:\/\/www.langelierassurances.com\/en\/wp-json\/wp\/v2\/media?parent=2381"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.langelierassurances.com\/en\/wp-json\/wp\/v2\/categories?post=2381"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.langelierassurances.com\/en\/wp-json\/wp\/v2\/tags?post=2381"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}