Summer vacations are meant to be relaxing—but leaving your home unattended, even for a short time, can create unexpected risks. From water damage to break-ins, a vacant home is more vulnerable than one that’s lived in daily. At Avaloch Insurance, we encourage homeowners to take a few simple precautions before heading out of town. A little planning can go a long way in protecting your property—and your peace of mind.
Understand Your Policy’s Vacancy Conditions
Many homeowners don’t realize that insurance policies can include limitations when a home is left unoccupied for an extended period. Important considerations: Coverage may be restricted if your home is vacant or unoccupied beyond a certain number of days. Insurers sometimes require regular check-ins (for example, every 48–72 hours) Failure to meet these conditions could impact coverage Insurance tip: If you’re planning to be away, it’s worth confirming your policy requirements before you leave.
Prevent Water Damage
Water damage is one of the most common and costly issues when a home is unattended. Before you go: Turn off the main water supply (if practical) Consider installing a water leak detection system Check for any existing leaks or plumbing concerns Ensure your sump pump is working properly Even a small leak can cause significant damage if left unnoticed for days.
Make Your Home Look Occupied
An empty home can attract unwanted attention. Taking steps to create the appearance that someone is home can help deter theft. Simple measures: Use timers for lights and electronics Ask a neighbour to collect mail and packages Keep your lawn maintained or arrange for upkeep Avoid posting travel plans publicly on social media
Secure Entry Points
Before you leave, take time to properly secure your home. Checklist: Lock all doors and windows Set your alarm system (if you have one) Ensure garage doors are closed and secured Store valuables out of sight These small steps can significantly reduce the risk of a break-in.
Arrange for Regular Check-Ins
Having someone you trust check on your home is one of the most effective ways to reduce risk. Ask them to: Walk through the home periodically Look for signs of leaks, damage, or forced entry Ensure heat/air systems are functioning properly Bring in mail and deliveries This not only helps prevent issues but may also be required by your insurer.
Be Mindful of Liability Risks
Even while you’re away, you’re still responsible for what happens on your property. Potential exposures: A tree branch falling onto a neighbour’s property Someone slipping on your walkway Damage caused by an unattended issue (like a leaking pipe) Ensuring your property is safe before you leave can help reduce liability concerns.
Double-Check Coverage Before You Go
A quick review of your home insurance policy can help identify any gaps before they become problems. Consider: Whether you have adequate water damage coverage Your policy’s vacancy or unoccupancy conditions Your deductible and coverage limits
Travel with Peace of Mind Vacations should be about relaxing—not worrying about what’s happening back home. With a few preventative steps and a clear understanding of your insurance coverage, you can enjoy your time away with confidence.
If you’re planning a trip and want to make sure your home is properly protected, Avaloch Insurance is here to help. A quick conversation before you leave can make all the difference.