Summer Insurance Prep: Protecting Your Home During Vacation Season

June 2, 2025

Summer is prime vacation time for Massachusetts families, but while you’re off relaxing, your empty home can be at risk. From burst pipes to break-ins and summer storms, even a short trip away can leave your property vulnerable. That’s why preparing your home before you travel isn’t just about packing your bags — it also means making sure your home insurance in Massachusetts is up to date and ready for the unexpected. A few simple steps and the right insurance coverage can help secure peace of mind while you’re away.

Why Vacation Season Is High-Risk for Homeowners

Summer might be the season of sunshine and getaways, but it’s also a time when claims rise. Vacant homes are more likely to experience water damage, electrical issues, or break-ins — especially when maintenance tasks get overlooked in the rush to leave. 

Many homeowners assume that locking up is enough, but even a small oversight can lead to big problems. Whether a thunderstorm knocks out power or a leaking pipe goes unnoticed, an unattended home presents a risk. Having the right insurance and knowing exactly what it covers is key.

Smart Insurance Moves Before You Travel

Before heading out, take a few minutes to review your current policy. Many homes have increased in value in recent years, and if your coverage limits haven’t been updated, you could be underinsured in the event of a loss.

Ask your insurance agent about:

• Ensuring your dwelling and personal property limits reflect today’s replacement costs
• Confirming you have adequate liability coverage in case someone is injured on your property
• Reviewing your deductible and understanding what’s covered while the home is unoccupied
• Adding endorsements for scheduled valuables, vacation homes, or flood insurance if needed

For added peace of mind, consider a personal umbrella policy. It provides an extra layer of liability protection beyond your home and auto insurance, covering high-cost claims that could otherwise put your assets at risk.

Home Safety Checklist Before You Leave

Before you head out on vacation, take time to safeguard your home from common seasonal risks:

• Unplug electronics to reduce fire hazards and save energy.
• Turn off the main water supply to help prevent leaks or plumbing damage while you’re away. (If a house sitter or landscaper needs access, consider shutting off water to specific appliances instead.)
• Set your thermostat to around 85°F in summer to keep your home safe without wasting energy. Avoid turning it off completely — extreme indoor temperatures can damage electronics and other systems.
• Adjust your water heater to vacation mode or the lowest setting. In summer, you can turn it off entirely, but only if the tank is filled. In winter, keep it on to prevent frozen pipes.
• Lock all doors and windows, and close blinds to reduce visibility into your home and regulate interior temperatures.
• Set alarms and put lights on timers to simulate activity inside the house. Share alarm codes with anyone checking in to avoid false alerts.
• Ask a trusted neighbor or friend to check on your home, bring in mail, and report any concerns while you’re away.
• Secure outdoor furniture, grills, or decor that could be damaged or cause damage during storms.

These preventive measures, while easy to overlook, can make a big difference in keeping your home safe.

Additional Protection: Smart Tech and Preventive Tools

Incorporating smart technology into your home is the right move, not just for convenience but also for added security and insurance benefits while you’re away.

Smart Devices That Help You Stay Connected

Smart security systems, video doorbells, and app-enabled locks let you monitor your home in real time from anywhere. These tools can deter intruders, alert you to unusual activity, and give you peace of mind during extended travel.

Smart Sensors That Prevent Costly Damage

Water leak detectors, smoke alarms, and carbon monoxide sensors can catch problems early, before they escalate into expensive insurance claims. Many models connect to your smartphone, so you can respond quickly even when you’re away.

Some smart devices may also qualify you for discounts on your home insurance in Massachusetts. Ask your agent which systems are eligible to save money while enhancing your home’s safety.

How Berlin Insurance Group Can Help

At Berlin Insurance Group, we understand the risks Massachusetts homeowners face, especially during seasonal travel. We’ll review your current coverage, walk you through any gaps, and make recommendations tailored to your lifestyle. Whether you own a vacation property, have high-value items, or want to bundle your home and auto for savings, we’ve got options.

Happy Trails

A summer getaway should be relaxing, not a source of stress. Taking time to prepare your home, review your coverage, and make smart upgrades means you can hit the road knowing your biggest investment is protected.

Before your next trip, talk to Berlin Insurance Group about reviewing your home insurance in Massachusetts. A quick check-in now can help you avoid big problems later — and guarantee your home is just as you left it when you return.

About Berlin Insurance Group

At Berlin Insurance Group, we collaborate with top insurance partners nationwide to ensure you receive exceptional coverage from highly rated companies. As an independent agency, we have the flexibility to shop among dozens of carriers, each specializing in different types of risks, to find the best deals tailored to your specific needs. Whether it’s for your home, auto, or business, contact us today for a customized quote.