Summer Travel & Home Insurance: What You Need to Know Before You Leave

Vacations are meant to be relaxing—but nothing kills the post-trip mood faster than coming home to a disaster. Whether it's a break-in, fire damage, or water leak while you were gone, being underinsured or unprepared can quickly turn a dream trip into a nightmare.

Before you pack your bags, take a few moments to ensure your home insurance policy is ready for your absence. Here's what every California homeowner should know before heading out this summer.

1. Is Your Policy Active and Up-to-Date?

If you’ve been caught in the wave of non-renewals due to wildfire risk or other factors, double-check that your homeowners insurance is current. Some insurers have quietly dropped coverage or reduced limits in high-risk zones.

✅ Tip: Don’t assume you’re covered—call Dana Brown for a quick coverage check, especially if you’ve received any recent insurance notices.

2. Are You Protected Against Theft While You’re Gone?

Most homeowners policies cover theft, but limits can vary—especially for valuables like jewelry, electronics, or collectibles.

✅ What to do:

• Review your personal property coverage

• Consider adding a scheduled personal property endorsement for high-value items

• Install a monitored security system (you might even qualify for a discount!)

3. Water Damage: The Silent Vacation Ruiner

One of the most common claims during summer travel? Water damage from broken pipes or leaks. If no one’s home to notice, the problem can go undetected for days.

✅ Protect your home before you leave:

• Turn off the main water valve if you’ll be gone for an extended time

• Ask a neighbor or friend to check on your home

• Install smart leak detectors that alert you via phone

4. Wildfire Season Doesn't Pause for Summer Travel

In California, summer travel coincides with peak wildfire season. If your home is near a wildfire-prone area, make sure you’ve done your part before heading out:

• Clear brush and debris from around your home

• Back up important documents

• Know what your policy covers for evacuation, fire damage, and temporary housing

Dana Brown can help review your wildfire coverage and explain what’s covered—and what’s not.

5. Liability Coverage Still Matters—Even While You're Away

Did you know your homeowners insurance covers you for more than just property damage? If someone is injured on your property—even while you’re away—you could be held liable.

Now’s a great time to make sure your liability limits are where they should be. In some cases, adding an umbrella policy for extra protection makes sense—especially if you're traveling internationally or own multiple properties.

Bonus Tip: Traveling Abroad? Consider Travel Insurance

While Dana Brown focuses on home, auto, and personal coverage, if you’re traveling abroad, you may want to look into trip cancellation, medical coverage, or lost luggage protection through a trusted travel insurer.

Dana can guide you toward reliable options that fit your itinerary and risk profile.

✅ Pre-Trip Insurance Checklist

Before you lock the doors and head out, make sure you've:

☐ Verified your home insurance is active and covers theft, fire, and liability

☐ Reviewed or updated personal property coverage

☐ Turned off your water supply (or arranged for someone to check the home)

☐ Cleared brush/fire hazards around the property

☐ Backed up documents/photos digitally

☐ Talked to Dana Brown about coverage gaps or policy updates

Before You Travel, Call Dana Brown

Don’t let insurance uncertainty follow you on vacation. Dana Brown can help you feel confident that your home is protected while you’re away—and that you’ll return to peace of mind.

👉 Call Dana Brown today for a pre-travel insurance check-up.