Does insurance require someone to check my empty house?

Many insurance policies require documented inspections every 7 to 14 days for unoccupied homes. Requirements vary by carrier and policy, so check with your agent.

What does an insurance-ready report look like?

An insurance-ready report typically includes the date and time of the visit, a completed checklist, time-stamped photos, and notes about any issues or concerns found during the inspection.

What happens if I do not have my vacant home checked?

If your policy requires inspections and you skip them, the insurer may deny claims related to water damage, frozen pipes, or storm damage that went undetected.

How often does insurance require home watch?

Typically weekly or bi-weekly, especially during winter. Some policies require more frequent checks or specific tasks like maintaining heat or shutting off water.

Does home watch prevent insurance claims?

Home watch catches problems early, which can reduce the severity of claims or prevent them entirely. It also provides documentation that supports your claim if damage does occur.

Can home watch reports be sent to my insurance agent?

Yes. Professional home watch reports can be shared with your insurance agent, lender, or any other trusted party you designate.

Does Homeowners Insurance Require Home Watch Visits?

Why insurers care about vacant homes

Insurance companies know that unoccupied homes are more vulnerable to damage. A small leak can go unnoticed for weeks and turn into a major mold or structural problem. A frozen pipe can flood a house before the owner returns. Because of this, many insurers add requirements for vacant or unoccupied homes.

Typical policy requirements

Many homeowners policies require the home to be checked every 7 to 14 days if it is unoccupied, especially during winter. Some carriers require documentation of the visits, including date, time, and what was inspected. Others may require the water to be shut off or the heat to be maintained at a minimum temperature.

Always read your policy or ask your agent what is required for your specific situation.

What counts as a documented inspection

A documented inspection usually includes a date-stamped record of the visit, a checklist of items reviewed, photos showing the condition of the home, and notes about any issues found. A professional home watch report typically satisfies these requirements.

Informal checks by a neighbor or family member may not be accepted if there is no written record or photos.

What happens if you skip inspections

If your policy requires regular inspections and you do not have them, the insurer may deny a claim. Common denials involve water damage from leaks, frozen pipe bursts, and storm damage that went unnoticed. Documented inspections show the insurer that you took reasonable steps to protect the property.

How a home watch service helps

A professional home watch service provides scheduled, documented inspections with photos and reports. These reports can be shared with your insurance agent if needed. Home watch also catches problems early, which can reduce the severity of a claim or prevent one entirely.

Talk to your agent

Every policy is different. Before you leave your home unoccupied for an extended period, call your insurance agent and ask about vacancy requirements, inspection frequency, and documentation. Then hire a home watch provider that can meet those requirements.