We've been lucky enough to have parents nearby who will check on our home and who are young enough they didn't mind helping with the snow clearing.
As for the insurance issue, I would definitely check! My husband works for a restoration company that does repair for insurance companies after fires, floors, etc. He comes home with horror stories all the time. One recently was of a woman who went away for a holiday during a cold snap, asked someone to watch her home, they didn't check on it till the day before she got home, and turns out her furnace quit working, the pipes froze then many burst, flooded much of her 2 story home, and the damage was massive. Turns out she wasn't covered by insurance because the home was left vacant longer than stipulated in her coverage. Ouch!
Not trying to scare you or anything, but it's always good to have your bases covered.