How to Protect Your Home While You’re Away for the Holidays

The holiday season should be a time for connection and celebration, not worry. Whether you are visiting family or traveling to warmer weather, an empty home can be vulnerable to risks such as theft, burst pipes, or accidental damage. With the right renters or homeowners insurance, you can keep your peace of mind intact while away.

Coverage That Travels With You

Even when you are not home, your insurance coverage continues to protect you. Homeowners and renters insurance usually cover theft, vandalism, and certain types of damage, even if the incident happens while you are gone.

Preventing Damage Before It Happens

Preparation is the best way to prevent holiday surprises. Before you head out, take a few extra steps to protect your property and minimize the chance of a loss:

• Set your thermostat no lower than 55°F to prevent frozen pipes.
• Lock all doors and windows.
• Unplug electronics and secure outdoor decorations to avoid electrical fires.
• Ask a trusted neighbor to check on your property.
• Install smart home devices, such as water leak sensors or security cameras, for added protection.

A little preparation can go a long way toward avoiding costly repairs and keeping your holidays stress-free.

Renters, Do Not Forget Your Coverage

If you rent, remember that your landlord’s insurance only protects the building, not your personal belongings. Renters insurance protects your possessions, such as laptops, furniture, and clothing, in the event of theft, fire, or water damage.

Review Your Policy Before You Go

Before packing your bags, take a few minutes to review your insurance coverage. A quick call to your Ansay & Associates insurance advisor can make a big difference. Ask about:

• Coverage limits to ensure your belongings are fully protected
• Home inventory updates to include new purchases or holiday gifts
• Additional coverage options such as scheduled personal property for valuable items like jewelry or collectibles

Taking the time to confirm your policy details can help you avoid unpleasant surprises and ensure your coverage fits your lifestyle and travel plans.

Final Thoughts

Enjoy the holidays knowing your home and everything in it are protected. At Ansay & Associates, our goal is to help you plan for the unexpected so you can focus on what matters most.

Talk to an advisor today!