Why Regular Security Visits Matter for Your Unoccupied Home Insurance

Jan 31
3 min read

Leaving a home unoccupied for an extended period can increase its vulnerability to damage, theft, or vandalism. Many homeowners rely on unoccupied home insurance to protect their property during these times. However, insurance providers often require regular security visits as part of their policy conditions. These visits are not just a formality—they play a crucial role in maintaining your coverage and safeguarding your home. This article explains why regular security visits matter and how they benefit both you and your insurer.

How Unoccupied Homes Are at Risk

Unoccupied homes face unique risks that occupied homes do not. Without daily activity, signs of forced entry or damage can go unnoticed for weeks or months. Common risks include:

Burglary and vandalism: Empty homes attract criminals who know no one is present.
Water damage: Leaks or burst pipes can cause extensive damage if not detected quickly.
Fire hazards: Electrical faults or accidental fires may go unnoticed.
Weather damage: Storms or extreme weather can cause structural damage that worsens without prompt repair.

Insurance companies understand these risks and often require homeowners to take extra precautions, including regular security visits.

What Are Regular Security Visits?

Regular security visits involve a professional or trusted individual inspecting your property at scheduled intervals. These visits typically include:

Checking all doors and windows for signs of forced entry or damage.
Inspecting the roof, gutters, and exterior walls for damage or wear.
Ensuring that security systems, alarms, and locks are functioning properly.
Looking for signs of water leaks, mold, or pest infestations.
Reporting any issues immediately to the homeowner or insurance provider.

The frequency of these visits varies depending on the insurer and policy but often ranges from weekly to monthly.

Why Insurance Providers Require Security Visits

Insurance companies require regular security visits to reduce the likelihood of claims and losses. These visits help:

Prevent damage escalation: Early detection of issues like leaks or broken windows can prevent costly repairs.
Deter criminals: Visible security checks discourage burglars and vandals.
Verify property condition: Insurers want proof that the property is being maintained and monitored.
Ensure policy compliance: Failure to conduct required visits can lead to claim denial or policy cancellation.

By meeting these requirements, homeowners demonstrate responsibility and reduce their risk profile.

Benefits of Regular Security Visits for Homeowners

Regular security visits offer several advantages beyond meeting insurance requirements:

Peace of mind: Knowing someone is regularly checking your property reduces worry.
Faster response to problems: Issues are identified and addressed before they worsen.
Lower insurance premiums: Some insurers offer discounts for proactive security measures.
Preservation of property value: Maintaining the home’s condition prevents deterioration.
Improved claim success: Documentation from visits supports insurance claims if needed.

For example, a homeowner who had weekly security visits discovered a small leak early. The quick repair prevented major water damage and a costly insurance claim.

How to Arrange Effective Security Visits

To make the most of security visits, consider these tips:

Hire a reputable security company: Choose professionals experienced in unoccupied property checks.
Set a consistent schedule: Regular visits at predictable intervals ensure thorough monitoring.
Request detailed reports: Insist on written or photographic evidence of each visit.
Communicate with your insurer: Share reports promptly to maintain transparency.
Combine with other security measures: Use alarms, cameras, and timers for lights to enhance protection.

Some homeowners also ask trusted neighbors or friends to perform informal checks between professional visits.

What Happens If You Skip Security Visits?

Skipping required security visits can have serious consequences:

Policy cancellation: Insurers may cancel coverage for non-compliance.
Claim denial: Damage discovered without proof of regular checks may not be covered.
Higher premiums: Insurers may increase rates due to higher perceived risk.
Increased vulnerability: Without regular inspections, problems can go unnoticed and worsen.