Finance Blog

Avoid Homeowners Insurance Claims While You’re Away from Home

Written by Linda Rey on December 15, 2011 in Insurance  |   2 comments

As we enter the worst part of winter here in the Northeast, I’m seeing many of my neighbors take ski trips or escape to warmer weather. However, as a homeowners insurance broker, I always try to warn my friends and clients of some considerations that need…

homeowners insurance claimAs we enter the worst part of winter here in the Northeast, I’m seeing many of my neighbors take ski trips or escape to warmer weather. However, as a homeowners insurance broker, I always try to warn my friends and clients of some considerations that need to be made when leaving the house for any extended period of time—whether for a weekend or for longer.

While the advice that follows is not necessarily directly related to insurance, I like to help my friends and clients understand that preventing insurance claims should be their goal. Insurance carriers do not like to see small, nuisance claims that could be more costly than the actual check they send to you.

Unplug your appliances

Unplug appliances like space heaters, coffee makers, and hairdryers. These small appliances could short out and cause a fire while you’re gone. Also, if you can, unplug any larger appliances that don’t need to stay running (like your television or, if you’ll be gone for a long period of time, your fridge).

Finish your chores before you leave

Don’t try to cut corners and multitask when it comes to household chores. You may not even realize you’re leaving yourself open to potential damage when you start up the dishwasher or washing machine just before you leave the house. If there’s a malfunction or a leak while you’re not there, you could be looking at some pretty extensive damage while no one is at home to do the clean up.

Manage your thermostat to avoid frozen pipes

Don’t turn off your thermostat when you leave for vacation or for an extended period of time. If you want to conserve energy, lower it to a reasonable temperature—around 55—to avoid freezing pipes. Frozen pipes can burst, and while flooding and water damage from a burst pipe are covered perils on your homeowners policy, they also are still claims on your permanent record. Many claims like this can lead to increased premiums or even dropped coverage.

Stop your mail and newspaper delivery

One of the oldest and most common suggestions for those heading out of town is to discontinue your newspaper delivery and have the post office hold your mail. Having papers and mail piling up outside your front door tells thieves that no one is home, making your property an easy target. Aside from the financial drain of replacing stolen items, burglary is emotionally scarring. No insurance policy can help alleviate the anxiety of being a victim of theft.

Special considerations for an investment property

If you have an investment property, don’t trust that it will remain in pristine condition while you’re away from it. Visit occasionally, or hire a property manager to check up on the property’s condition. When I had a rental property in Atlanta, I learned this lesson the hard way. I hadn’t checked up on the place for several months, and when I tried to sell it I found nearly three feet of water in the basement that the tenants never told me about. Bottom line: Be vested in your investment property.

In all cases, be smart about how you want to involve your insurance company. There is no reason you can’t take a vacation and enjoy yourself, but be smart. Protect your home from the perils that happen without warning.

Health Insurance Discounts for Healthy Lifestyle Habits
Women’s Health Insurance Coverage
Auto Insurance: How to Avoid a Lemon Car
Homeowners Insurance: Someone Gets Hurt On Your Property
Health Insurance Coverage for Infertility Treatments

Linda Rey is a licensed insurance agent at Rey Insurance with a broad spectrum of expertise in life, accident, health, property and casualty insurance as well as retirement planning and college funding strategies.

Follow Linda on Twitter.


  1. Alex Craven says:

    Your insurer will definitely decline to pay up when they found out that no one is home when the disaster or accident strikes. This is because they generally assume that the accident could have been mitigated or prevented if someone was present in the event. I’ve read some stories where it actually happened to some policy holders. http://www.cheapinsurance123.com/blog/2011/08/13/absence-makes-the-insurance-check-smaller/

  2. LINDA REY says:

    Not necessarily depending on how long you were gone. They do expect for people to take vacations…however, having a vacant home without telling the insurer could and will likely result in a declination or at the very least an intense investigation.
    check out our blog on vacant homes:

Leave a Comment

Name :

Commenting guidelines

We welcome your interest and participation on this forum, but be aware that comments will be published at Equifax's sole discretion. Please don't use this blog to submit questions or concerns about your Equifax credit report or raise customer service issues. Instead, you should contact Equifax directly for all such matters and any attempts to do so in this forum will be promptly re-directed.

Some other factors to consider when commenting:
  1. Registration and privacy. While no registration is required to visit our forum, participants wishing to post a message must register by creating an account. All personal information provided by forum members incident to registration is governed by our Terms of Use and Privacy Policy.
  2. All comments are anonymous. We'll delete your name, e-mail address, and any other identifying information, including details about your investments.
  3. We can't post or respond to every comment - As much as we'd like to, we can't post every comment, nor can we guarantee that we will respond to each individual message. All questions or comments about your Equifax credit report or similar customer service issues should be handled by contacting Equifax directly.
  4. Don't offer specific legal, tax or financial advice. All of the materials on this Site are for information, education, and noncommercial purposes only and this forum is not intended as a means of expressing views or ideas regarding any specific legal, tax, or investment advice. While offering general rules of thumb is both permitted and encouraged, recommending specific ideas or strategies regarding investments, taxes, and related matters is prohibited.
  5. Credit Repair. This blog is not intended as a venue for the discussion or exchange of ideas regarding credit repair or other strategies intended to assist visitors and community members improve or otherwise modify their credit histories, ratings or scores.
  6. Stay on topic. Your comment should be concise and pertain to the specific post in question.
  7. Be respectful of the community. The use of profanity, offensive language, spam, and personal attacks will not be tolerated and egregious or repeat offenders will be banned from future participation. We encourage disagreement and healthy debate, but please refrain from personal attacks on our WordPresss and contributors.
  8. Finally: Participation in this forum may be terminated by Equifax immediately and without notice for failure to comply with any guidelines or Terms of Use. As such, you should familiarize yourself with all pertinent requirements prior to submitting any response through the blog or otherwise. All opinions expressed in this forum are solely those of the individual submitting the comment, and don't necessarily represent the views of Equifax or its management.

Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.

Insurance Archive

Stay Informed Sign up for our FREE Equifax email Newsletter