Home Insurance When Travelling
However you look at it, home insurance is one of the most types of insurance as it financially covers you should something untoward happen to your home or belongings.
With all the exciting planning surrounding a trip, it can be easy to forget about the home you are leaving unoccupied. However, home insurance becomes increasingly important when you go on holiday, especially if you are travelling for a long period of time.
Unfortunately, if you are planning a long trip which means that your house will be left unoccupied for at least 30 days, your insurance may become invalid. Indeed, many insurance companies will not payout if a house has been left unoccupied for an extended period of time. This can make it even more stressful and expensive should something happen to your house or belongings whilst you are on holiday.
Therefore, if you are planning a long trip away, you should read the fine print of your insurance contract or speak to one of the company’s representatives. In most cases, insurance brokers will adjust your insurance policy but you will be faced with a higher premium. In some cases, especially if you are going away for quite a long time, insurance brokers may require you to put your valuable items into secure self-storage.
Tips for Keeping Your Unoccupied Home Safe
One of the most basic things that you can do is keep all of your valuable items out of site so your home does not attract opportunist thieves. In addition, if you any particularly valuable items, you could consider putting them in a safe or self-storage.
If you are away for a long time, you may want to put your lights on a timer. This will make it look like the house is occupied and reduce the chance of a burglary. In addition, you may want to get a trusted friend to come and collect your mail as opposed to letting it all pile up as this is a common telltale sign of an empty house.
Furthermore, you should consider upgrading your home security system and installing courtesy lighting outside your home. Not only are courtesy lights helpful devices, but they can deter thieves as its makes them more obvious when breaking in.