Vacant Property Insurance in Canada

Protect Empty Homes and Commercial Buildings With Trusted Coverage 

Vacant properties are magnets for risk — and most standard insurance stops covering them after 30 days. Whether you’re selling, renovating, or between tenants, our Vacant Property Insurance keeps you protected from fire, water damage, theft, and vandalism. 

Get flexible 3-, 6-, or 12-month terms for residential and commercial buildings anywhere in Canada — issued same-day so you’re never left exposed.

Get Quoted. Get Certain.

Why Vacant Properties Need Special Insurance

When a property is unoccupied, insurers consider it a higher risk. Most home or commercial policies cancel or restrict coverage after a set vacancy period — leaving you financially vulnerable.

Common Situations That Require Coverage:

Selling a home and waiting for a buyer

Between tenants at a rental property

Waiting for permits before construction begins

Cosmetic renovations or remodeling

Holding property during an estate settlement

Top Risks for Vacant Properties:

Fire & Smoke Damage
Repair costs can escalate quickly

Theft & Burglary 

Empty buildings attract intruders

Vandalism 

Graffiti, break-ins, and malicious mischief

Water Damage

 Frozen pipes, sewer backup, and leaks

Storm Damage
Lightning, wind, and severe weather events

Without dedicated coverage, you’re left paying these losses out of pocket.

What Our Vacant Property Program Covers

Choose between mono-line property coverage or a full package with liability.

Residential Property Coverage

Coverage A – Dwelling: Up to $3,000,000
Coverage B – Other Structures: 20% of Coverage A
Coverage C – Personal Property: 20% of Coverage A
Personal Liability: Up to $2,000,000
Form Options: Named Perils or Multi-Peril
Sewer Backup Sublimit: Optional
Earthquake Coverage: Available (location-dependent)
Vandalism & Theft Coverage: Available
Policy Terms: 3, 6, or 12 months

Commercial Property Coverage

Coverage A – Building: Up to $2,000,000
Coverage B – Other Structures: Up to $300,000
Coverage C – Business Personal Property: Up to $100,000
Premises Liability: Up to $2,000,000
Eligible Properties: Apartments, mixed-use buildings, commercial spaces

Additional Features:

Add Additional Insureds at no extra cost
Insurable even with multiple mortgages
Works for transitional ownership and renovations

Who Needs Vacant Property Insurance?

This program is ideal for:

Homeowners waiting for a sale

Real estate investors between tenants

Executors of estates with unoccupied homes

Developers holding empty lots or buildings

Landlords awaiting permits or renovation completion

Tip: Many lenders require vacant property coverage after 30 days of vacancy. Even if it’s not required, it’s the smart way to avoid uncovered losses.

Why Choose Our Vacant Property Program?

Online Platform 

Quote, bind, and issue policies digitally

Flexible Terms
Short 3-, 6-, and 12-month options

Underwriting Expertise
Backed by A-rated Lloyd’s paper

Competitive Rates
Designed for temporary coverage gaps

Seamless Process
Fast, easy, and built for Canadian property owners

Protect Your Property During Life’s Transitions

Don’t leave your property exposed while it sits empty. Get coverage that fills the gap your standard policy can’t — and get it in place before the unexpected happens.

What Our
Customers Are Saying

Real reviews from real clients — across commercial lines, personal insurance, and surety bonding. Discover why business owners, families, and professionals across Canada trust Ai Insurance Organization to protect what matters most.

      
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   Jose Seron 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great experience. Doug and the team were very responsive and helped us resolve several items prior to obtaining our bonding. Quick turnaround and clear communication. Highly recommended. (Tenet Builders Ltd.)
  
 
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   Longhorn Maintenance 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amazing service quick response and friendly staff.
  
 
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 Trustindex verifies that the original source of the review is Google. Great people to deal with and their rates are better!
  
 
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 Trustindex verifies that the original source of the review is Google. Professional advice, excellent customer service and low premium
  
 
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   Karm K 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent Service and Quick Turnaround.
We’ve had a great experience working with AI INSURANCE ORGANIZATION for our construction insurance and bonding needs. Their team is responsive, professional and very knowledgeable about the construction industry. They make the process smooth and efficient — from start to finish, everything was handled clearly and on time. Highly recommend them to any contractor or builder looking for reliable and straightforward insurance and bonding services.
  
 
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   Leslie okrah 
 
 
 
 Trustindex verifies that the original source of the review is Google. quick & efficient. Glad to have them as part of our business insurances
  
 
  
  
 
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