Free Risk Assessment

How exposed is your
home while you're away?

Answer 8 quick questions about your property. We'll calculate a personalized vacancy risk score and tell you exactly what your biggest vulnerabilities are — no obligation.

Takes less than 2 minutes
Covers insurance, security, environmental & access risks
You'll get a written risk report with a recommended plan
Vacancy Duration
How long will your home be unoccupied?
This is the single most important factor for insurance compliance.
Less than 30 days
Weekend trips, short vacations
Low
30–60 days
Extended vacation, work travel
Moderate
60–180 days
Seasonal absence, snowbird travel
High
Over 180 days
Second home, estate in transition
Critical
Insurance
Does your policy have a vacancy clause?
Most standard homeowner policies restrict coverage after 30–60 days vacant.
Yes — I have a vacancy endorsement
Coverage extends to vacant periods
Low
Not sure of my policy's vacancy terms
Haven't checked the fine print
Moderate
Standard policy — no vacancy coverage
No endorsement or rider in place
High
Security
What security systems are currently active?
Remote systems help but don't replace physical presence.
Monitored alarm + cameras + smart locks
Full tech stack in place
Low
Cameras or alarm — not both
Partial security coverage
Moderate
Basic locks only — no monitoring
No active detection system
High
Neighbor or friend checking in
Informal, undocumented oversight
Moderate
Environmental Risk
How exposed is the property to weather events?
Hill Country properties face flash flooding, hail, and severe storm risks.
New construction — excellent drainage & roof
Built to modern standards
Low
Well-maintained — some age to the structure
Minor deferred maintenance
Moderate
Older home or known drainage / roof issues
High storm damage potential
High
Rural acreage — conditions not fully known
Large property, limited visibility
High
Systems & Mechanicals
Which systems are running while you're away?
Active systems carry failure risk; off systems carry pipe and equipment risk.
HVAC on, water on, pool/spa running
Multiple active systems
Moderate
HVAC only — water shut off at meter
Reduced leak exposure
Low
Full systems on including irrigation
Maximum active exposure
High
Minimal systems — not sure what's on
Unknown risk profile
Moderate
Access & Visibility
How visible is the property from the road?
Both extremes carry risk — isolated properties get less natural surveillance.
Gated community with active HOA patrol
Controlled access environment
Low
Suburban — neighbors nearby, street visible
Moderate natural surveillance
Moderate
Rural — private road, isolated property
Low natural surveillance
High
Acreage — some setback from road
Limited drive-by visibility
Moderate
Property Value
What is the approximate value of your property?
Higher value properties carry greater financial exposure if claims are denied.
Under $500,000
Lower exposure
$500,000 – $1,000,000
Moderate exposure
$1,000,000 – $2,000,000
High exposure
Over $2,000,000
Critical exposure
Current Oversight
What oversight is currently in place?
Insurers require documented, accountable visits — not informal check-ins.
Professional home watch with GPS reports
Documented, insurer-accepted oversight
Protected
Neighbor or family member checking in
No documentation — not insurer-accepted
Unprotected
Remote cameras only
No physical presence or audit trail
Unprotected
Nothing currently in place
Full exposure
Critical

Almost there.

Your information is never shared. Driftwood Estate Watch reviews every submission personally.