XN Global ® Vacant Dwelling Insurance

Domestic insurers in most jurisdictions are reluctant to cover dwellings that are either vacant, unoccupied or rented to another occupant. In some cases, limited coverage is provided; in most cases, domestic homeowner insurance companies do not provide coverage if an international assignee’s home remains unoccupied or is rented to another occupant.

XN Financial ® supplies insurance coverage for vacant, unoccupied or rented dwellings, including condos located anywhere in the United States, Canada and Europe.

  • Plan highlights

    • The definition of “Dwelling” includes vacant dwellings, unoccupied dwellings or dwellings rented to others
    • The policy pays for reasonable repairs and other costs incurred by the insured to protect the dwelling from further damage following a covered loss
    • Coverage is also provided for the breakage of glass or safety glazing material forming part of a covered building, storm door or storm window
    • The contents of the dwelling can also be covered if a burglar alarm is maintained during the policy period
    • 10% of insured value of dwelling is automatically extended to insure other structures located on the residence premises
    • XN Financial® also insures against liability suits brought for damages arising from the ownership, maintenance or use of the dwelling. This coverage also includes defense costs and medical expenses.

  • Contact us

    For questions or discussion about the plans, applying for coverage, service or status of claim, or if assistance is needed on selecting the right plan, contact a dedicated Gateway Plans representative via email, telephone or fax:

    Toll Free: 866.286.4076
    Fax: 514.908.1837
    Email: gateway@xn.com

For questions call


For questions call



About your plan