Everyone deserves a vacation at some point. Still, the thought of being hundreds or thousands of miles from home can bring anxiety. What could happen if your home suffers damage or theft when you and your family aren’t around?
Fortunately, homeowners insurance can keep you covered. Well-rounded homeowners coverage acts as your safety net, protecting you from excessive financial losses even if you’re away from your home. It can even safeguard you from injuries or damages caused when you’re away from the house.
Here are a few significant areas in which a homeowners policy shields your living space and property when you’re out of town.
Theft and Vandalism
An unoccupied home can be an open target for thieves. Electronics, jewelry, and other high-cost items are lures for petty criminals. Comprehensive homeowners’ insurance usually covers losses from theft. It may also cover damages to your property due to a break-in or vandalism.
Some policies extend that coverage to personal items outside your home, like those you take with you on vacation. Make sure you document all your damaged items in your police report to expedite your claim.
Fire and Smoke Damage
Fire arising from lightning, defective wiring, or malfunctioning appliances can happen when you’re away. Homeowners insurance can help you afford repair bills, smoke damage, property loss, or item replacement in the event of a fire.
You might also consider a rider that covers temporary accommodations in case your home is uninhabitable while it’s been repaired.
Water Damage and Plumbing
Water damage and plumbing issues are a couple of the trickiest things to fix, especially when you are away from home. Homeowners insurance can help pay for damage due to frozen pipes, leaky water heaters, or sudden plumbing breakdowns that soak your home structures and personal belongings.
Review your policy to verify it covers your home if you’re away for a long time. It’s also a good idea to turn off your water before leaving on your trip.
Liability Protection
A homeowners insurance policy can protect you from liability for damages and injury when you travel.
If a passerby slips and falls on your icy sidewalk, gets bitten by your dog, or is injured tripping on a loose step, liability protection can cover medical and legal fees in case you’re sued. It can even cover you if you accidentally injure a third party while you’re on vacation.
Detached Structures
Homeowners insurance can extend beyond the main residence. A solid policy can also cover damage to greenhouses, tool sheds, gazebos, detached garages, and other stand-alone buildings. Make sure your insurance provider is aware of and covers detached structures on your property, as well as attached add-ons like decks or patios.
Total Homeowners Policies From Warrior Insurance & Services Group
Warrior Insurance & Services Group offers a full slate of insurance for homeowners. Even if you’re thousands of miles away, our home insurance policies can protect you from the high costs of damages, injuries, and legal liability. Contact us today to request a free quote.
