Vacant Property Insurance: What Your Policy Really Requires
Insurance policies on empty buildings come with strict conditions most owners miss. Here's what your insurer expects — and how to satisfy it.
Most vacant property policies require regular inspections, secure doors and windows, utilities managed safely, and evidence that someone competent has walked the site on a defined schedule. Insurers are not being pedantic: empty buildings attract arson, theft of copper, and squatter risk. When a claim arises, the first question is often whether the policy conditions were met — gaps in your inspection log can be enough to dispute cover.
Outsourced mobile patrols or static guarding give you timestamped reports, photographs, and a clear audit trail that supports both your broker and your asset manager. The goal is not box-ticking for its own sake but demonstrating that the property was treated as a live risk, not forgotten until the lease ends or refurbishment starts.
Our writing is grounded in practice — every post on the BigEye blog is written or reviewed by a licensed officer, controller, or operations manager who works in the field every day. No ghost-writers, no AI fluff, no marketing recycling.
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