Summer is a wonderful time to travel. Whether you are visiting family, taking a cruise, or heading out on a long-awaited road trip, getting away can be refreshing. However, before you lock the door and leave town, consider this important question: What happens if something happens to your home while you are away?
Most homeowners insurance policies protect your home even when you are away, but homeowners should understand a few things before leaving for an extended trip.
If a covered event occurs while you are away, such as a storm causing damage, a burst pipe, or even a break-in, your homeowners insurance may help cover the repairs and replacement costs depending on your policy. For example, if a severe thunderstorm damages your roof or falling tree limbs cause structural damage, your policy typically helps pay for those repairs after your deductible.
Water damage is another situation homeowners often worry about when traveling. A pipe leak or appliance malfunction can cause significant damage if it is not caught quickly. While many policies cover sudden and accidental water damage, it is still wise to take preventive steps before leaving. Turning off the main water supply or having a neighbor check in periodically can help reduce risk.
Theft is another concern when a home appears unoccupied. Homeowners insurance generally includes coverage for stolen belongings, but taking simple precautions such as using timers on lights, stopping mail delivery, or asking a neighbor to collect packages can help make your home look lived in while you are away.
Another good step is reviewing your personal property coverage. Many homeowners have valuable items such as jewelry, collectibles, or electronics. If you own items that exceed standard coverage limits, you may want to discuss additional coverage options with your insurance agent.
Some homeowners also choose to install smart home technology such as security cameras, water leak detectors, or monitored alarm systems. These tools can provide peace of mind by alerting you to problems quickly, even when you are hundreds of miles away.
Finally, if you plan to be gone for an extended time, especially several weeks or months, it is a good idea to let your insurance agent know. They can review your policy and make sure your coverage still fits your situation.
Travel should be about relaxing and enjoying time away, not worrying about what might happen back home. Taking a few simple precautions and making sure you understand your insurance coverage can help you leave with confidence.
If you would like to review your homeowner’s policy or learn more about ways to protect your home while you travel, contact Drew Franklin, State Farm Insurance Agent. Drew is proud to serve families throughout the community and is happy to answer questions, review coverage, and help you feel confident that your home is protected.
Call 865-354-9453 or visit drivewithdrew.com to connect with Drew and schedule a quick policy review before your next trip.
