Does home watch satisfy my insurance company?
Not by itself, and anyone who tells you otherwise is overstating it. Vacancy and unoccupancy clauses usually turn on whether people are living in the home, not on whether someone inspects it. What a dated visit record does protect against is narrower and real: a seepage exclusion and a dispute about the date a loss began.
Vacancy and unoccupancy provisions are written around occupancy. A policy that limits coverage after a home has been unoccupied for a set period is generally asking whether someone lives there. An inspection every week does not make a home occupied. If your policy has such a clause, ask your agent directly what it requires.
Where visit records do matter is evidence. A dated, photographed report shows the condition of the home on a specific day. That helps answer how long water was running, when a storm opening appeared, or whether damage pre-dated an event — the questions that decide many disputed claims.
Our insurance certificate lists the visits we performed, the longest gap between them, and any gap we recorded as an exception. It states plainly that whether it satisfies a requirement of any policy is a matter between the policyholder and the insurer. We will not claim more than that.