The summer months are popular times for Canadians to go on vacation, but regardless of whether you’re getting set to head off on a trip in the next couple of weeks or are planning to travel later in the year, there are some important things you can do to ensure your home is protected while you’re away.
Understanding Your Coverage
When it comes to home insurance, Halifax policy holders are always encouraged to know and understand what it is that their insurance covers. Some policies, for instance, will have a vacant dwelling restriction, which means that your home is not actually covered by insurance should something go wrong when you’re away for an extended period of time. If you’re unsure about what it is that your policy actually covers, be sure to speak to your agent before you leave for your holiday.
Protecting Your Home
Beyond your policy, there are steps you can take to ensure your home is protected against the risk of fire or flooding:
- Ask a relative, friend or neighbour to visit your home every three days, taking notes on the home’s condition while they are there. Some insurance companies in Halifax and other areas will require you to do this, so be sure to ask. Even if it’s not a policy requirement, it’s still a good idea; should something happen to your home, you will be able to provide your insurance company with a fairly accurate timeline of events.
- Unplug electrical appliances and other devices that won’t be in use while you’re away.
- Turn off the water coming into your home and be sure to drain the pipes to avoid flooding.
- Turn off any gas appliances that won’t be in use.
- In the cooler months, turn down the heat but ensure the temperature is at least 14̊ C to prevent pipes from freezing.
Shopping for home insurance? Halifax home owners trust Keyes Insurance Brokerage with that which matters most. Call us today to learn more about our home insurance policies: (902) 453-2273.