Top 7 Risks to Vacant Properties in Canada — And How to Protect Against Them

Leaving a property empty for weeks or months comes with hidden dangers. Whether it’s a house awaiting sale, a rental between tenants, or a commercial space between leases, vacant buildings are magnets for risk.

According to Canadian insurance data, vacant properties experience significantly higher rates of theft, vandalism, and uninsured losses than occupied ones. Many owners find out too late that their standard property insurance no longer applies after 30 days of vacancy.

Vacant Property Insurance exists to close that gap — protecting your property until it’s lived in or leased again.

👉 Learn more or request a quote here:Vacant Property Insurance.

Risk #1: Vandalism and Break-Ins

Vacant buildings are more likely to be targeted by vandals, graffiti artists, or thieves looking for copper wiring, appliances, or fixtures. Without regular presence, damage can go unnoticed and worsen over time.

Protection Tip: Install monitored alarms, motion-sensor lighting, and security cameras. Ensure your vacant property policy includes vandalism and theft coverage.

Risk #2: Water Damage

Burst pipes, leaky roofs, or sewer backups can cause thousands in damage — especially if left unchecked for weeks. In winter, frozen pipes are a major risk in unheated buildings.

Protection Tip: Keep the heat on in cold weather, drain pipes if shutting water off, and follow any inspection requirements in your policy.

Risk #3: Fire and Smoke Damage

Vacant properties are more prone to arson and accidental fires. An empty building may also face slower emergency response times, increasing potential loss.

Protection Tip: Remove combustible debris, secure entry points, and make sure your policy includes fire coverage even during vacancy.

Risk #4: Liability Claims

Even when vacant, you can be liable if someone is injured on your property — whether it’s a trespasser or a contractor.

Protection Tip: Include premises liability coverage in your vacant property policy to protect against lawsuits.

Risk #5: Storm Damage

Wind, hail, and heavy snow can damage roofs, siding, and windows. Without inspections, small openings can allow water intrusion and structural damage.

Protection Tip: Arrange post-storm inspections and make repairs quickly to prevent secondary damage.

Risk #6: Squatters

Unmonitored buildings can attract squatters, leading to damage, legal headaches, and costly evictions.

Protection Tip: Secure all entry points, post “No Trespassing” signs, and conduct regular on-site checks.

Risk #7: Neglect and Wear

Minor issues like a loose shingle or cracked window can become major problems if ignored. Insurers may deny claims if damage is due to lack of maintenance.

Protection Tip: Follow all maintenance requirements outlined in your policy, and keep written inspection logs.

How Vacant Property Insurance Helps

A comprehensive vacant property policy can include:

• Property coverage for fire, theft, vandalism, and weather events 
• Optional sewer backup and water damage protection 
• Liability coverage for injuries on the premises 
• Flexible terms: 3, 6, or 12 months 
• Options for residential, commercial, or mixed-use buildings 

For more details, visit:
https://getcertain.ca/business/vacant-property

Final Thoughts

Every month your property sits empty, the risks increase — and your standard insurance may no longer protect you. Vacant Property Insurance ensures you’re covered until your property is occupied again.

🛡 Protect your investment today: get a Vacant Property Insurance quote.