As you make travel plans, don't leave home without packing a little peace-of-mind and take some steps to help protect your home while you are away.

Here is a checklist to help give your house "that lived in look":

• Use automatic timers to turn lights on and off in various parts of the house at appropriate times. Consider connecting a radio to a timer.
• Leave blinds open in their usual position.
• Lower the sound of you telephone ringer and answering machine so they can not be heard outside.
• Have mail and packages picked up, forwarded or held by the post office.
• Ask a friend to pickup "throw-away" newspapers and circulars.
• Stop newspaper deliveries.
• Tell police and neighbours when you plan to be away and when you plan on returning.
• Appoint a person that is competent to check your home regularly while you're away.
• In the summer months, arrange to have someone mow the grass and water the lawn. In the winter months, arrange to have someone shovel your driveway and sidewalks
• Make sure that windows are secured and shrubs are cut back to allow for easy viewing by neighbours.
• Before leaving on your vacation, check with us to make sure you're are abiding by your insurance policy conditions. Freezing pipes may not be covered under your policy if heat is not maintained during the winter. You must arrange for a competent person to check every day.

Check Coverages on Your Homeowners, Condominium or Tenants Policy

Before you leave, take a few minutes to check your homeowners or tenants policy. It will usually provide coverage for off-premises theft. So, for example, if your luggage is stolen, your insurer will pay to replace it, less the deductible.

If you are traveling with expensive electronic equipment, jewellery or sporting gear, it may be more cost-effective to purchase a "floater" or endorsement to your personal property policy.
 

Check Your Auto Policy Before You Rent a Car

If you plan on renting a car, you need auto insurance. The insurance on your own car, including collision and comprehensive, is not enough. Call us before you go to make sure you are properly covered.
 

Consider Buying Travel Insurance

Vacations are often a big-ticket item, so you may want to consider buying some extra peace-of-mind in the way of travel insurance.

Now sit back, relax and enjoy your time away knowing that you have done all you can to make sure your home is looked after.