Vacant Residential Property Insurance

When you find yourself with a vacant home, make sure you’re insured properly.

Vacant residential property insurance is a separate insurance policy that was created to cover the increased risks associated with unoccupied buildings. Unfortunately, vacant homes are just more likely to experience damage. You might not know how long your property will be vacant. Your insurance executive will work with you to determine what insurance terms are appropriate (3 or 6 months) and then help you if you require the insurance policy to be renewed from there.

Did you know that your home insurance is only valid if someone is living in the home?

If you find yourself having to leave your home empty for an extended period (anything longer than 4 days really), it is vital to let your insurance broker know. At that point, you can discuss your situation and determine what additional coverage you need to make sure your home is protected while it is vacant.

Here are some examples of some common losses that vacant residential properties can suffer:

  • Fire
  • Hail, lightning or windstorm damage
  • Water damage caused by broken pipes
  • Malicious mischief on the property and general property destruction
  • Squatters on the property who cause damage without the owner's knowledge
  • Sprinkler leakage
  • Vandalism


Do all insurance carriers cover vacant homes?

Vacant residential property insurance is a stand-alone policy that can be purchased by any homeowner who finds themselves in a situation where their home or property is going to be vacant. Many people will find their insurer doesn't offer this kind of coverage. That's where we come in. Our experienced insurance brokers will work with any client to make sure they have the coverage they need.

  • David Chan
    ...No need to find another broker for your insurance needs. 10/10 recommended!
    David Chan
  • Marlene Arnold
    Julie is super. There are never any long delays in getting back to me. Super in advising what is the best deal for my needs.
    Marlene Arnold
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    I am over the moon with the service I’ve been experiencing from them! Strongly recommend.
    Melanie Wiebach
  • Carrie Stone
    I use CJ Campbell for my personal as well and business insurance needs. The team members specifically Dave Parker & Boun Chou have been absolutely amazing to work with. I highly recommend this company for all your insurance needs. They are extremely professional and attentive; they are always prompt and getting back to me.
    Carrie Stone
  • Vacuum Specialists
    We have had the pleasure of dealing with Boun for many years, and her exceptional assistance and dedication have consistently exceeded our expectations. She consistently goes above and beyond to address our needs promptly and efficiently. Her professionalism is unparalleled, and we highly recommend her services.
    Vacuum Specialists
  • Patricia Wiebe
    We have dealt with CJ Campbell for over 50 years and their quality of service has been consistently excellent. We feel very secure knowing Keisha McCarthy is looking out for us. DO NOT HESITATE to use this company for all your insurance needs!
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    Sid Tolchinsky
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    Keisha is so good at her job, I cannot stress this enough! She is patient, kind and really helped me out finding the best deal for insurance when I moved to Alberta. It's the little things in life and the fact that I don't have to stress out about insurance was an immense help. I cannot thank her enough!
    Brooke Siebert
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    I have been with CJ Campbell for almost 30 years. In those 30 years I have received exceptional service! Boun has been supporting me with competitive rates for home, auto and motorcycle insurance, always with my best interests at heart. I continue to refer my friends and family to Boun and CJ Campbell because they work hard to find the best rates and her client service is second to none.
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    ...What sets CJ Campbell apart from other insurance companies is their personalized approach to each client. Boun takes the time to understand your specific insurance needs and works tirelessly to find the best coverage options at the most competitive rates. I have always felt like a valued customer with CJ Campbell, and I appreciate the high level of customer service they provide...
    Amin Ziarati
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    I have been dealing with this company since 2010. Keisha McCarthy has always been so professional, helpful, and timely with all of my insurance needs. I can't recommend CJ Campbell and Keisha enough!
    Shelley Thurber
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    Fantastic service every time! Everyone is super helpful and knowledgeable and will get you the best deal on insurance.
    Lara
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    We have worked with Boun at CJ Campbell for years. She has always been extremely helpful in assisting us, as well as helped us in a timely manner. I would 100% recommend her!
    Alexandrea Currie-Bell
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    I've been with this company for 10yrs and never had a problem. The staff are very helpful, especially Boun.
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    I’ve had the pleasure of now dealing with Boun a few times for my insurance needs and she is an absolute delight to talk to. I would definitely recommend dealing with CJ Campbell as I know of others who also use them and love the service they receive.
    Andrea Patterson
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    They're very helpful.
    Arnel Rante
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    If you want to get the best service from them, you need to talk to Boun Chou at CJ Campbell, got the best rates across 12 different companies for my house and my car and the service was excellent.
    Russell Motha
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    Highly recommended and always delivers the best service for home and auto insurance. Able to navigate for best value, and listens to our needs.
    Jonathan Howlett
  • Dom L
    I have been a client of C.J Campbell Insurance for over 16 years. I would like to express my gratitude to Joel White. Joel is absolutely amazing to work with. His professionalism, understanding and willingness to go above and beyond for clients is very commendable! When ever I have a question or if there is an issue he’s instantly working on how to resolve or answer my question. I highly recommend him for all your insurance needs.
    Dom L
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    My wife and I moved our insurance to CJ Campbell after Royal Bank started demanding annual payments from customers. We have been very happy for the past few years. Customer service is exceptional and staff work to help you get a fair deal. I would highly recommend CJ Campbell Insurance.
    Ken Moffatt