Updated 2026-10-24
Empty houses face problems that an occupant would catch quickly: a slow leak, a broken window, a furnace that quits in winter. These routines help protect the property and keep you in line with typical policy conditions.
Visit on a schedule
Set a regular visit schedule and keep a short log. Walk through every room, check ceilings for stains, look under sinks and test the heat. If you cannot visit yourself, ask a relative, a neighbor or a property manager.
Manage the water
Water damage is a common and costly loss in empty houses. Depending on the season and the policy's conditions, consider shutting off the main water valve and draining the lines, or keeping the heat high enough to prevent freezing. Ask the insurer which approach the policy expects.
Make it look lived in
- Use timers on a few lights
- Keep the lawn mowed and walks cleared
- Stop or forward mail and newspapers
- Leave blinds in a normal position
Lock it down
Change or rekey the locks if you are not sure who has keys. Check that windows latch. A monitored alarm or simple cameras can deter break-ins and alert you quickly.
Remove temptation
Move small valuables, important papers and firearms to a secure place. Photograph the contents before you move anything, for both the estate inventory and any future claim.
Watch for weather
Before storms or freezes, check gutters, the sump pump and the heat. After severe weather, visit to look for damage and report any loss promptly.
Tell the insurer about changes
If the house will be empty longer than planned, or repairs start, let the insurer know. Coverage that fits today may need adjusting tomorrow.