Does an Absentee Owner Need a Home Watch Service?

Heading back to Canada for the summer? As a proactive measure to mitigate risks associated with unoccupied properties, insurance companies often require an absentee homeowner to hire a home watch service.  Seasonal homes, left unoccupied for extended periods, are susceptible to various perils such as burglary, vandalism, water damage, and other unforeseen emergencies. By mandating the use of a home watch service, like Horizon Vista,  insurance companies aim to minimize the likelihood of these risks and ensure that potential issues are promptly addressed. Home watch services provide regular inspections, maintenance checks, and immediate response capabilities, offering peace of mind to both homeowners and insurers alike. This collaborative approach helps safeguard the property, maintain insurance coverage, and preserve the value of seasonal homes when you’re away.

.

Insurance companies often require an absentee owner to hire a home watch service for several reasons:

1. Risk Management: Insurance companies are concerned about the risks associated with unoccupied properties. Unoccupied homes in Arizona are more prone to various hazards such as burglary, squatters, vandalism, water damage, fire, and other perils. A home watch service can help mitigate these risks by regularly inspecting the property and addressing any issues promptly.
2. Preventative Maintenance: Regular maintenance and inspections can prevent minor issues from escalating into major problems. By having a home watch service in place, potential issues can be identified and addressed early, reducing the likelihood of costly claims.
3. Timely Response to Emergency: In case of emergencies such as burst pipes, electrical problems, or storm damage, a home watch service can provide a quick response and take necessary actions to minimize damages. This helps insurance companies mitigate their losses and maintain the property in good condition.
4. Compliance with Policy Requirement: Some insurance policies may include clauses requiring absentee owners to take certain precautions, such as hiring a home watch service, to maintain coverage. Failure to comply with these requirements may result in the denial of claims or cancellation of the policy..

.

Overall, requiring absentee owners in Arizona to hire a home watch service helps insurance companies minimize risks, protect their interests, and ensure that properties are well-maintained even in the owner’s absence. If you need a reliable, trustworthy and certified home watch company, like Horizon Vista in Cave Creek, give us a call for a free quote. We serve clients throughout North Scottsdale, Carefree and Cave Creek.