Insurance Compliance Basics for Vacant Homes

When a Canadian property is left unoccupied beyond a defined threshold, typically 48 to 72 hours, the insurance coverage protecting it can be voided outright. This isn't a reduction in coverage — it's complete loss of protection.

What insurers require

Most policies require:

• Physical, in-person property checks at policy-specified intervals
• Documented evidence that the visit occurred
• Records of any issues observed during the visit

What we provide

Every EquaVita visit produces an Insurance Proof Pack that contains:

• GPS-verified check-in coordinates within 50 metres of the property
• Server-timestamped arrival and submission times
• Tier-appropriate checklist with each item documented
• Live-camera photographs with embedded GPS and timestamps
• Mandatory liability disclaimer for insurer review