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Heading out of town for the holidays? Between packing, planning and remembering
everyone’s gifts, it’s easy to forget about the house you’re leaving behind. But even when you’re away, your home still needs protection.

Taking a few simple precautions before you go can help prevent fires, frozen pipes, theft and other unwelcome surprises while you’re gone.

We talked with a personal property underwriting analyst to share what homeowners should do before traveling for the holidays – and how your insurance may apply if something happens while you’re away.

What are the biggest risks when a home is left empty?

Homes are more vulnerable to fire, theft and water damage when no one is there. The biggest concern is that even small issues, such as a leaking pipe or a spark from holiday lights, can quickly grow into extensive damage and costly repairs.

How can I help reduce the risk of a fire while I’m away?

Unplug nonessential electronics and small appliances, such as air fryers and computers, before you leave. Avoid leaving older holiday lights or decorations running unattended and test smoke alarms and any smart sensors to make sure they’re working properly. If possible, ask a trusted neighbor or family member to check on your home while you’re away to confirm that alarms are still active.

What can I do to help prevent theft or break-ins?

One of the best ways to prevent a break-in is to make your home look lived in. Use light timers and motion-sensor lights to create the appearance of activity. You could also pause mail and package deliveries so they don’t pile up. If you’ll be away for an extended time during the winter, ask someone you trust to shovel your driveway or clear walkways. A home that looks well cared for is less likely to attract someone looking for an easy target.

In addition, consider waiting until you’re back home to share vacation photos or travel updates on social media. It’s an easy way to help keep your plans private while you’re away.

How do I help prevent frozen or burst pipes?

Set your thermostat to at least 55°F to help reduce the chance of frozen pipes while you’re away. Open cabinet doors under sinks to let warm air circulate and shut off outdoor spigots and disconnect hoses. In very cold climates, you may want to consider turning off your main water supply before you leave.

Can technology help protect my home while I’m gone?

Smart home devices can act as an extra set of eyes and ears while you’re away. Smart thermostats, leak detectors and home security systems can alert you in real time to smoke, leaks or unexpected movement. These alerts may help limit the severity of damage and, from an insurance standpoint, show that you’re taking proactive steps to protect your property.

Why prevention matters (and how your policy may apply)

Keeping your home heated in the winter, turning off outdoor water sources and setting alarms all show that you’ve taken care of your property. These small steps can help reduce the chance of problems and may also affect how your insurance coverage applies if something happens.

Most homeowners policies cover things like fire, theft, sudden water damage and vandalism whether you’re home or not. However, if damage happens because basic upkeep wasn’t done, coverage could be limited.

If something happens while you’re gone, let your independent insurance agent know as soon as possible and share what you can about what happened.

What’s the best thing I can do before I leave?

Before you head out, take a few minutes to walk through your home. Check each room to make sure electronics are unplugged, lights and appliances are off and all windows and doors are locked. A quick walkthrough before you leave can go a long way toward preventing problems while you’re away.

The holidays can be busy, but a few minutes of preparation before you leave can make a big difference. Once you’ve checked those simple steps off your list, you can relax and enjoy your time away knowing you’ve done what you can to look after your home.

Disclaimer: This article is not expert advice. The analysis of coverage is in general terms and is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the publishing of this material. Discounts may not be available in all states. Limitations and conditions may apply. Premiums will be based on benefits chosen. Please check with your local Independent Auto-Owners Insurance Agent for details.

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