Nearest broker: Searching for a broker nearby…
Nearest broker: 2607 Ellwood Dr SW, Edmonton, AB, T6X 0P7 Phone: 780-732-8616 10060 Jasper Ave, Edmonton, AB, T5J 3R8 Phone: 780-435-3632 , Calgary, AB Phone: 403-532-4882 322 Avenue C S, Saskatoon, SK, S7M 1N4 Phone: 639-398-4170 10325 Bonaventure Dr SE, Calgary, AB, T2J 7E4 Phone: 403-695-1050 5317 50 Ave, Taber, AB, T1G 1V3 Phone: 403-223-2377 110a McLeod Ave, Spruce Grove, AB, T7X 2H8 Phone: 780-571-1144 496 Marquis Rd, Prince Albert, SK, S6V 8B3 Phone: 306-970-8080 335 Hwy Avenue N, Picture Butte, AB, T0K 1V0 Phone: 403-732-6023 103-5020 Lac St Anne Trail S, Onoway, AB, T0E 1V0 Phone: 780-967-2282 2201 Box Springs Blvd NW, Medicine Hat, AB, T1C 0C8 Phone: 403-487-5132 550 Wt Hill Blvd S, Lethbridge, AB, T1J 4Z8 Phone: 403-394-1123 734 13 St N, Lethbridge, AB, T1H 2T1 Phone: 403-328-9114 5 St SE, High River, AB Phone: 403-652-4104 9901 103 St, Fort Saskatchewan, AB, T8L 2C8 Phone: 780-998-0881 , Edson, AB, T7E 1T6 Phone: 780-440-0075 16612 109 Ave NW, Edmonton, AB, T5P 1C2 Phone: 780-486-4488 201-4271 23 Ave NW, Edmonton, AB, T6L 5Z8 Phone: 780-466-2136 3908 97 St NW, Edmonton, AB, T6E 6N2 Phone: 780-465-6900 8170 50 St NW, Edmonton, AB, T6B 1E6 Phone: 780-469-9378 52 Ave, Drayton Valley, AB Phone: 780-621-1707 264 Midpark Way SE, Calgary, AB, T2X 1J6 Phone: 403-251-2926 1331 Macleod Trail SE, Calgary, AB, T2G 0K3 Phone: 403-278-1050 1331 Macleod Trail SE, Calgary, AB, T2G 1E1 Phone: 403-255-2252 234-7 Westwinds Crescent NE, Calgary, AB, T3J 5H2 Phone: 403-775-2100 , Calgary, AB, T3K 0S8 Phone: 403-719-9995 4632 70 St NW, Calgary, AB, T3B 2K6 Phone: 403-247-6435 5114 2 St, Boyle, AB, T0A 0M0 Phone: 780-689-3946 50 Ave, Bonnyville, AB Phone: 780-826-3147 12931 20 Ave, , AB, T0K 0E0 Phone: 403-562-2191 2903 Kingsview Blvd SE, Airdrie, AB, T4A 0C4 Phone: 403-945-8885

Do I need to have someone check on my home while I’m away if I have smart home monitoring?

Home Insurance

By Joanne Lemna | June 28, 2017

Smart home monitoring systems are steadily gaining popularity. These include doorbells that can tell you who’s on your front porch cameras controlled by your iPhone or Android which patrol the perimeter and interior of your house and whole house monitoring of mechanical systems including your HVAC. These platforms and systems can certainly give you that added peace of mind especially while you’re on vacation or travelling for work. But as far as your homeowner’s insurance policy is concerned are these smart home systems enough particularly if you intend to be away from your property for a prolonged period of time?

Things to Think About When You’re Going to be Away from Home

You’re all packed. You’ve checked and double-checked that list of amenities you simply must not forget. The pets are taken care of and the kids are ready to go. Now what about the house itself. It is after all going to be left vacant. What types of steps should you take to ensure that your property is protected? Will your insurance provider be satisfied with the measures you put in place to safeguard your home?

If you have a smart home monitoring system you may be thinking that since you can virtually see and hear everything that is going on in and around your house even while you’re away do you really need someone to periodically check on the place? Here’s the deal: while smart home monitoring can definitely bring you reassurance as far as your temporarily vacated home is concerned this doesn’t mean that your insurance company will accept this in lieu of having an actual person check on your property while you’re away .

Let’s say for instance that it is winter time. You and your family are vacationing. There’s a pretty severe cold snap which in turn causes one of your pipes to burst. Water is everywhere. Damage is inevitable. If there is no one coming in to check on your home then the damage significantly worsens each day that you’re gone. What may have only been a few hundred dollars in repair costs now balloons into tens of thousands of dollars as far as a full-on repair and restoration project. Odds are in this instance you will end up having to cover the lion’s share of the cost as you did not have a responsible adult checking on the property in your absence and thus you invalidated your homeowner’s coverage.

So whether the concern is theft and vandalism—as vacated homes are certainly targets for such crimes—or damage that may occur as a result of a malfunctioning system or natural disaster having a person check on your home in conjunction with your smart home monitoring devices will help to ensure that your homeowner’s insurance policy remains effective and valid should something go wrong.

Your broker can tell you what your insurance company expects while you’re away for your policy to remain effective. Discuss your options with them – and ask if your monitoring system can get you any discounts!

Get A Quote From A-WIN

Get the best insurance deals and stay on budget.

Get A Quote

Life Events - It's Time to Reassess Your Insurance

Whether it’s heading off to university or deciding to start your own business,...

Download