Phone: 204-771-0198

The Difference Between a Vacant Home and an Unoccupied Home

It is clearly understood that whenever a home is empty, it poses a much greater risk for damage, particularly water damage. With nobody home to take action or call an emergency provider, the longer the home is unattended, the greater the level of damage.  Home insurance companies have varying guidelines regarding how long a house can be empty before the insurance coverage is voided or alternatively, a special endorsement is needed.  Here are some guidelines on the difference between a vacant home and an unoccupied home,

An unoccupied home is generally ready for occupation.  The utilities are  functioning and the owner’s furnishings and personal property remain inside.  If the home is undergoing extensive renovations but the furnishings and personal effects can remain in the home, then the home is unoccupied.  as well, if the homeowner is on vacation or in the hospital, your home is considered unoccupied.

A vacant home is one where the owners have no personal property and the home is clearly vacant. The utilities may be turned off and in its present state, the home is uninhabitable.  A vacant home is often the case when a homeowner has moved to  a new residence and awaiting the a sale of their previous residence.  Or in rental properties after one tenant has moved and a new tenant has not taken possession.  Vacant homes  present significantly higher risk and special precautions should be taken to mitigate this risk. Advising your insurance provider of the status of your home, whether unoccupied or vacant is a prudent first step.


we got you covered

Thinking about a summer vacation or going to the cottage? We got you covered. We can check your home while you're away, mow your lawn, water your garden and even take care of your hot tub / pool maintenance. You can leave your home with peace of mind that everything...

Sump Pump Troubles

Not everyone knows and understands the workings of the sump pump in the basement. It can save an expensive disaster, but a certain level of understanding and caution is necessary to ensure your sump pump is a preventive measure and not the cause of a problem. Kings...

The Ultimate Home Checklist

Before heading out on vacation, consider this to be your ultimate home checklist. Thanks to Global News for the information which is summarized here: Contact your home insurance provider: Most insurance policies now have clauses that will void coverage if your...

When Away, How Often Should Your Home Be Checked

The simple answer to this question is, "it depends". One of Canada's largest insurers, Intact Insurance, suggests that there is no requirement for scheduled checking of an unoccupied home. However in other cases, it can be as often as daily checks. In most cases a...

Sump pumps can freeze in a Winnipeg winter

If you are going away during a Winnipeg winter,  your sump pump may freeze and cause problems they are designed to prevent.   Make sure you have someone checking your sump pump while you are away.   It is important to keep your water flowing.  Water flow is obviously...

Pin It on Pinterest