Real Estate

Safeguarding Your Vacant Property: A Landlord’s Guide to Security and Insurance

Safeguarding Your Vacant Property: A Landlord's Guide to Security and Insurance

Owning rental properties can be a lucrative investment, but there may come a time when your property is vacant, either between tenants or during renovations. Empty properties are vulnerable to various risks, including vandalism, theft, and property damage. As a responsible landlord, it’s crucial to take steps to keep your vacant property safe and adequately insured. In this article, we’ll explore strategies for safeguarding your vacant properties and discuss the importance of proper insurance coverage.

Securing Your Vacant Property

1. Install Security Measures:

  • Invest in a robust security system: A professionally monitored security system can deter intruders and immediately alert authorities in case of a break-in.
  • Motion-activated lights: Install motion-activated lights around the property to deter potential trespassers and provide visibility at night.
  • Reinforce entry points: Ensure that all doors and windows are secure and consider installing deadbolts and window locks.
  • Security cameras: Visible security cameras can discourage criminal activity and provide valuable evidence if an incident occurs.

2. Regular Property Inspections:

  • Frequent visits: Make regular visits to your vacant property to check for any signs of damage, maintenance issues, or unauthorized entry.
  • Prompt maintenance: Address any maintenance concerns promptly to prevent them from escalating and causing further damage.

3. Landscaping and Exterior Maintenance:

  • Maintain the exterior: Keep the property’s exterior well-maintained to give the impression of an occupied home.
  • Trim vegetation: Trim overgrown shrubs and trees to eliminate potential hiding spots for criminals.

4. Neighbourhood Watch:

   Connect with neighbours: Develop good relationships with neighbours who can help keep an eye on the property and report any suspicious activity.

5. Secure Valuables:

  • Remove valuables: Take any valuable items out of the property or store them securely to minimize the temptation for theft.
  • Lock away tools: If the property is under renovation, lock tools and equipment in a secure area.

Understanding Insurance for Vacant Properties

While securing your vacant property is essential, having the right insurance coverage is equally crucial. Many standard homeowner’s insurance policies may not provide adequate coverage for vacant properties, as they typically assume continuous occupancy. When in doubt it’s best to consult with experts like Just Landlords. Here’s what you need to consider in regard to insurance:

1. Vacant Property Insurance:

  • Vacant property insurance is specifically designed to cover properties that are unoccupied for an extended period. It typically offers coverage for vandalism, theft, fire, and liability.
  • Discuss your property’s vacancy with your insurance provider to ensure you have the appropriate coverage.

2. Liability Insurance:

Liability coverage is crucial in case someone gets injured on your vacant property. Even when unoccupied, you could still be held liable for accidents that occur on your property.

3. Renovation Insurance:

If your property is vacant due to renovations or repairs, consider renovation insurance. It provides coverage for construction-related risks, such as accidents or damage to the property during the renovation process.

4. Regular Communication with Your Insurance Provider:

Keep your insurance provider informed about the status of your property. Failure to disclose the vacancy can lead to coverage denials in case of claims.


Protecting your vacant rental property is not just a matter of physical security but also financial security. By taking proactive measures to secure your property and obtaining the right insurance coverage, you can minimize risks and ensure that your investment remains safeguarded during periods of vacancy. Remember that different properties may have unique needs, so it’s essential to consult with your insurance provider to tailor your coverage to your specific situation. With the right precautions in place, you can enjoy peace of mind knowing that your vacant property is safe and well-protected.

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