Criminals Are Targeting Empty Homes and Buildings

Here’s How Property Owners Can Get Ahead of the Problem

Vacant properties have become a growing target for theft, vandalism, and even arson. Whether it’s a home awaiting sale, a building under renovation, or a temporarily unoccupied commercial space, empty properties are increasingly vulnerable to criminal activity.

If you own or manage property, it’s important to recognize the risks and take proactive steps to protect your investment.

Why Empty Properties Are a Target

Vacant homes and buildings often:

• Lack daily oversight
• Appear neglected or abandoned
• Don’t have working security systems
• May have valuable equipment, fixtures, or materials inside

Criminals know this—and take advantage of the opportunity to break in, steal, damage, or even squat in these spaces.

Top Risks Facing Vacant Properties

1. Theft – Appliances, copper piping, tools, and wiring are common targets.
2. Vandalism – Graffiti, broken windows, and property damage can escalate quickly.
3. Squatters – Unlawful occupants may move in, making legal removal time-consuming and expensive.
4. Arson or Fires – Empty structures are more likely to catch fire due to arson or maintenance issues like electrical faults.
5. Liability Claims – Injuries to trespassers or maintenance workers could turn into costly lawsuits if safety hazards go unaddressed.

How Property Owners Can Protect Vacant Homes and Buildings

Here are smart, practical steps you can take to safeguard your property:

1. Secure the Perimeter

• Lock all doors, windows, and entry points.
• Use high-quality locks and reinforced doors.
• Install fencing if needed to deter trespassers.

2. Invest in Surveillance

• Motion-activated security cameras and lighting are strong deterrents.
• Even signs stating “Under Surveillance” can discourage criminal behavior.

3. Notify Local Authorities

• Let the local police department know the property is vacant.
• Ask them to include it in their patrol route when possible.

4. Keep the Property Maintained

• Mow the lawn, remove mail or flyers, and ensure lighting is working.
• A property that looks lived-in is less likely to be targeted.

5. Review and Update Your Insurance

Many standard property insurance policies reduce or cancel coverage if the building is vacant for more than 30 to 60 days.

If the space is under renovation, talk to your insurance agent about vacant property insurance or builder’s risk coverage.

6. Work With a Risk Advisor

A professional can help assess your unique risks, recommend loss control strategies, and make sure your coverage truly protects you from worst-case scenarios.

Criminals are opportunistic, and vacant properties are easy targets. But with a combination of strong physical security, regular maintenance, and proper insurance, you can reduce your exposure and avoid costly claims.

Need help reviewing your policy or finding the right protection for a vacant property? Contact our office today. We’re here to help you stay one step ahead.

Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.

Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.

The information shared in this article is provided and written on an opinion basis, and for informational purposes, it solely represents the opinions of Valley Oaks Insurance.