Vacation Season Tips: How to Protect Your Home While You’re Away

A few simple precautions can help you enjoy your trip without worrying about what’s happening at home.

Summer is peak vacation season, with many families heading out of town for extended trips.

While you’re focused on travel plans and packing, your home may be sitting empty—making it more vulnerable to risks like theft, water damage, or unexpected issues. The last thing you want is to come home to a problem that could have been prevented.

Taking a few proactive steps before you leave can help protect your home, reduce risk, and ensure your insurance coverage works the way you expect if something does happen.

Make Your Home Look Occupied

An empty home can be an easy target if it looks unattended.

Before you leave, consider:

• Setting timers on lights throughout the house
• Pausing mail delivery or having a neighbor collect it
• Keeping blinds or curtains in a normal position
• Asking someone to check in periodically

Small details can make a big difference in discouraging unwanted attention.

Secure Entry Points and Valuables

It’s important to double-check that your home is fully secured before you head out.

Make sure to:

• Lock all doors and windows
• Secure garage doors and any secondary entrances
• Store valuable items in a safe or out of sight
• Avoid posting travel plans publicly on social media

These steps can help reduce the likelihood of theft and give you added peace of mind while you’re away.

Prevent Water and Maintenance Issues

Not all risks involve break-ins—some of the most costly claims come from water damage or maintenance problems.

Before leaving, take time to:

• Turn off the main water supply if appropriate
• Check for leaks under sinks and around appliances
• Clean gutters and downspouts
• Set your thermostat to a safe temperature

If you’ll be gone for an extended period, consider installing water sensors or smart home devices that can alert you to issues in real time.

Understand What Your Insurance Covers

Many homeowners insurance policies cover theft and certain types of damage while you’re away—but coverage can depend on the situation.

It’s a good idea to review:

• Coverage limits for personal property
• Any exclusions related to extended vacancies
• Deductibles that may apply to claims
• Whether additional endorsements are needed

If your home will be vacant for a longer period, your policy may have specific requirements or limitations.

Don’t Forget About Your Vehicle

If your car will be parked while you’re away, it’s still important to make sure it’s protected.

Consider:

• Parking in a garage or well-lit area
• Keeping your vehicle locked at all times
• Maintaining comprehensive coverage for non-driving risks like theft or weather damage

Even when you’re not driving, your auto insurance still plays an important role.

Travel with Confidence

A little preparation before your trip can go a long way toward protecting your home and your finances.

By securing your property, addressing potential risks, and reviewing your insurance coverage, you can focus on enjoying your vacation instead of worrying about what might go wrong.

Have questions about your coverage before you travel? Contact your local independent insurance agent to make sure you’re protected at home and on the road.