Ready for the season

The same events your policy covers when you're home, such as fire or wind, are still covered while you travel.

Most policies cover personal property wherever it is, including a suitcase stolen from a hotel. Jewelry, cash and similar valuables usually have lower limits.

Many policies limit coverage once a home has been vacant for a set period, typically 60 days. On the standard HO-3 policy, vandalism isn't covered after more than 60 consecutive days vacant. Each policy defines "vacant" its own way.

Freeze damage is covered only if you used reasonable care to keep the heat on, or to shut off the water and drain the system.