Yes, specialized vacant property and vacant home insurance policies are widely available in Ontario through independent insurance brokerages, high-risk underwriting agencies, and select mainstream carriers. Because standard home insurance policies explicitly exclude coverage for properties left empty beyond 30 days, property owners undergoing lengthy estate probate, major renovations, or trying to sell an empty house must purchase a dedicated vacant dwelling policy to ensure continuous protection against fire, windstorm, and third-party liability risks.
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