When you head out for vacation, the last thing you want is to worry about what’s happening back home. But the reality is, some of the most common and costly homeowners insurance claims occur when no one’s around to catch a problem early.
Whether you’re traveling for a weekend or an extended getaway, it’s smart to understand what can go wrong — and how your insurance policy can (or can’t) help. Here’s a look at the most frequent accidents that occur when homes are left unattended, plus simple steps you can take to prevent them.
1. Burst Pipes and Water Damage
One of the most common disasters we see is a burst pipe, especially during transitional seasons like spring. Pipes can freeze, crack, or burst due to aging, pressure buildup, or poor insulation. If you’re not home to notice it, gallons of water can flood your property in a matter of hours.
What’s usually covered: Sudden and accidental pipe bursts are typically covered under homeowners insurance.
What’s not: Slow leaks, gradual seepage, or failure to maintain heat during cold weather may be excluded.
Quick Tip: Before you leave town, shut off the main water supply and consider draining the remaining water in the pipes. It’s a small step that can prevent major damage.
2. Electrical Fires and Appliance Failures
Even when you’re not using them, appliances can still pose a risk. Faulty wiring, power surges, or malfunctioning equipment can lead to electrical fires or internal smoke damage. Refrigerators, dryers, and even dishwashers are common culprits.
What’s usually covered: Most fire damage is covered under standard homeowners policies.
What’s not: If the fire is caused by lack of maintenance or intentional neglect, claims may be denied.
Quick Tip: Unplug small appliances, turn off non-essential breakers, and consider using surge protectors to safeguard electronics.
3. Break-Ins and Theft
An unoccupied home can be an easy target for burglars — especially if it’s obvious no one’s been home for days. Forced entry often results in broken windows, damaged locks, and stolen valuables.
What’s usually covered: Homeowners insurance typically covers theft, vandalism, and property damage from break-ins.
What’s not: Some high-value items may exceed your policy’s limits unless they’re scheduled separately.
Quick Tip: Set interior lights on timers, pause mail delivery, and let a trusted neighbor know you’ll be gone so they can keep an eye out.
4. Storm Damage
In Mississippi and across the Southeast, weather is always a wild card. While you’re away, a sudden storm can bring high winds, hail, or heavy rain that damages roofs, siding, or nearby trees.
What’s usually covered: Damage from wind, hail, and falling trees is often included in standard policies.
What’s not: Flood damage generally requires a separate flood insurance policy, and maintenance-related damage (like a rotted roof) may be excluded.
Quick Tip: Secure outdoor furniture, clean out gutters, and trim back trees or branches that could fall on your home.
5. Undetected Issues: Leaks, Pests, and More
Even minor issues can turn into major headaches if left unchecked. A small roof leak, a pest infestation, or a broken window can lead to mold, structural damage, or safety concerns — especially if no one’s there to notice.
What’s usually covered: Coverage depends on the cause and timing. Sudden damage is more likely to be covered than gradual wear and tear.
What’s not: Ongoing problems caused by poor maintenance or neglect are usually not covered.
Quick Tip: Ask a friend or neighbor to check on your home every few days. Even a quick walkthrough can catch problems early.
How to Protect Your Home Before You Travel
Before heading out of town, run through this basic home protection checklist:
- Shut off the main water supply
- Unplug non-essential electronics
- Lock all doors and windows
- Set indoor lights on a timer
- Alert a neighbor or friend
- Review your insurance policy
Peace of Mind Starts with the Right Coverage
No one can predict the unexpected — but with the right protection, you don’t have to. At SouthGroup Insurance, we help homeowners across Mississippi understand what’s covered, what’s not, and what extra precautions make sense for their lifestyle.
Whether you’re preparing for vacation or just want to make sure your homeowners policy is up to date, our team is here to help.
Ready for a quick coverage check before your next trip?
Contact SouthGroup today to speak with a local advisor who understands your needs — and your neighborhood.