Journal

What we know, with sources.

Everything here traces to a statute, a policy form, or a government dataset. If a claim cannot be checked, it does not go on the page — including the claims that would help us sell.

6 min read

Does your homeowners policy still cover the house in February?

New York Insurance Law § 3404 suspends standard fire coverage after sixty consecutive days vacant or unoccupied. What that means for a furnished seasonal house closed for the winter.

4 min read

No, your insurer does not require 14-day inspections

The most repeated claim in American home watch marketing has no carrier document behind it. Here is where it actually comes from, and what is true instead.

5 min read

What actually goes wrong in an empty Hamptons house

Water, weather and time — with the numbers. Including the one risk owners worry about most, which the data says is close to negligible.