Help & Support
What is vacancy and how does it affect my policy?
Vacant dwellings face increased risk for loss or damage.
Vacancy means all occupants have moved out (and are not returning) or occupants have not yet moved in. A home could still have furnishings, and be considered vacant.
Most insurers will only insure a vacant property for a certain number days. The first 30 days of vacancy has limited coverage. In order to arrange coverage after 30 days, you must connect with us, otherwise, coverage may cease.
Unoccupied has a different meaning; your home is unoccupied with the intent to return, such as while you are on vacation.
Please connect with us to ensure that you have adequate coverage to protect you and your family.
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Servus Insurance Services | Home and Auto ("SISHA") is a tradename for belairdirect Agency Inc., used under license, and is not a subsidiary of Servus Credit Union. This is not a solicitation by Servus Credit Union. Home and auto insurance is underwritten by Belair Insurance Company Inc. Services provided by belairdirect Agency Inc. ®belairdirect is a registered trademark of Belair Insurance Company used under licence.