You let the buildings insurance continue

The buildings insurance (opstalverzekering) covers the building and ought to keep running until the home has been sold or transferred. A month in which the house stands empty is no reason to cancel the policy because no one is inside for a while. A policy cancelled in such a month is a risk that you record in the file, not a saving that you note as a gain. Write down the insurer, the address, and that the cover must continue until legal transfer (levering) or another transfer. Ask whether vacancy touches a condition, without naming a number of days yourself. The reply decides whether a notification or another step is needed. Until that text exists, the policy stays in the file as running if it was running.

Sale and legal transfer are not the same day. Between a buyer who says yes and the day of the transfer, the home can be empty while it still belongs to the estate inventory. The cover ought to bridge that interval, unless the insurer confirms something else on paper. Do not cancel on the day the sale brochure goes out. Cancel, or have the policy rewritten into another name, only once the legal transfer is fixed and the insurer has confirmed the end date. Note that end date only from that confirmation. A mortgage holder can have an interest of their own in the cover. This piece does not work that interest out. Ask the insurer whether a pledgee (pandhouder) or a lender stands on the policy, and keep the reply.

The letter asks three things: does the buildings cover continue, does vacancy touch a condition, and until which date can the cover remain if the legal transfer is not yet fixed. You name no number of days. You do not ask for a premium discount for vacancy. Ervazo keeps the letter and the reply. It does not send them. If a cancellation is already in the folder, you note the date and you ask the insurer whether the cover still exists. A cancelled month without a new policy is a risk on the timeline, visible to whoever manages the home. Do not put that month away as a saved item among the debts. The contents policy, if there is one, remains a separate question.

The buildings insurance keeps running until sale or transfer, unless the insurer puts another end date on paper. A cancellation during an empty month you record as a risk, not as an advantage. You do not invent a number of days of vacancy. Without the insurer's reply the task stays open, even if the premium has already been debited. This is not legal advice. Whether the cover is running, and whether vacancy asks for a step, is confirmed by the insurer. The notary confirms the date of legal transfer if it stands in the deed, not the cover of the policy. Those two dates belong side by side in the file, each with its own source.