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John Fleming Insurance - Burnaby BC Insurance Broker

Get the right vacant dwelling insurance coverage with real help.

Specialized insurance for vacant homes. Clear protection while your property is empty.

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A vacant home carries different risks than a lived-in one—things like vandalism, fire, water damage, or unnoticed issues can cause major losses. Most standard policies limit or exclude coverage once a property is vacant.

We help property owners across Burnaby, the Lower Mainland, and all of British Columbia arrange proper insurance for vacant houses, whether you're between tenants, waiting for a sale, or planning a renovation. We work with insurers like Aviva, Cansure, Forward, Gore, Intact, Max Insurance, Optimum West, Peace Hills, and Wawanesa to get coverage that matches how long the property will be empty and what's planned for it.

If you're not sure whether your property counts as "vacant" for insurance, we can walk you through it.

Coverage Options

Specialized protection for unoccupied residential properties.

Coverage for injury or property damage while the home is empty.

Protection against vandalism and theft during vacancy.

Limited water damage coverage based on insurer and property conditions.

Flexible coverage for temporary vacancy periods.

Renovating, selling, or between tenants? We'll help you choose the right plan.

Frequently Asked Questions

Empty homes have unique risks and require specific policies.

Coverage depends on eligibility and insurer options.

Yes — once the home is occupied.

Some are — it depends on the insurer.

Duration varies by insurer.

Tell us your timeline — we'll help match the right policy.

Trusted by Burnaby families for over 40 years.

Ready to get covered?

Let's get your quote started. We can walk you through the steps.

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