Home Monitored, Policy Protected

Travel with confidence while we conduct professional 48- or 72-hour home checks to keep your property secure and fully compliant with insurance requirements. Every visit — from locks and security systems to heat, mail, and exterior monitoring — ensures your home is safe and your coverage remains valid.

Contact

Did you know?
Key Insurance Rules for Vacant/Unoccupied Homes in Nova Scotia

1. The 30-Day Rule: Most policies consider a home "vacant" if it is empty of people for more than 30 consecutive days, at which point standard coverage may be voided unless a "vacancy permit" is purchased.

2. Unoccupied vs. Vacant: "Unoccupied" means you are temporarily away (vacation) with intent to return, which is usually covered if you have someone checking the home. "Vacant" means you have moved out with no immediate intent to return, which often voids standard policies.

3. Frozen Pipe Clause (Winter): During the heating season, insurance companies typically require that you either have the house checked daily to ensure the heat is on, or that you turn off the main water supply and drain all pipes.

4. Claim Denial: If a pipe bursts or a, break-in occurs while you are away and the house has not been checked, insurers may argue that the damage was preventable or became catastrophic due to neglect, leading to a denied claim.