Home Watch vs House Sitter: Which Protects a Florida Home?
Owners leaving a Florida home for the season usually weigh two options: a house sitter who occupies the property, or a professional home watch company that inspects it on a documented schedule. They solve different problems, and the difference shows up precisely when something goes wrong.
Presence Versus Inspection
A sitter provides occupancy. That deters some opportunistic crime and puts a person on site if an alarm sounds. What it does not provide is a protocol. Someone living in a Boca Raton home will not notice a weeping fitting on the water heater in the garage, a condensate line backing up in the attic, or roof tile lifted by a squall.
Home watch inspects: every fixture run, every HVAC zone verified, humidity logged, panel opened, roofline and drainage reviewed, pool and screens checked, pests looked for — and photographed.
Insurance and Liability
Professional home watch companies carry general liability coverage and issue Certificates of Insurance naming your property, association, or building as additional insured. Inspectors are background checked. Individual sitters generally carry nothing, which means an injury or a mistake becomes a claim on your own homeowners policy.
Gated communities complicate it further. BallenIsles, Boca West, Admirals Cove, and St Andrews Country Club require registered, insured vendors — a bar a private sitter usually cannot clear.
Documentation After a Loss
Adjusters ask when the property was last checked, what condition it was in, and how quickly damage was found. A chronological series of dated photo reports answers all three. A sitter's recollection does not.
For owners whose policies restrict coverage during long unoccupied periods, documented professional inspection is materially easier to defend.
When a Sitter Still Makes Sense
Pets are the honest exception. If animals need daily care, a sitter serves a purpose home watch does not. Many owners run both: a sitter for the animals, home watch for the building and its systems.
For an empty seasonal home in Palm Beach County, professional home watch is the standard of care.
Getting Started
Palm Beach Home Watch is locally owned and based in Wellington, Florida, an active member of the National Home Watch Association, fully insured, with background-checked inspectors. Call 561-913-2023 or email admin@pbchomewatch.com to schedule a complimentary walkthrough.
