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The following article is re-posted with permission from the Insurance Risk and Management Institute.

Secondary or vacation homes often have greater exposure to loss since the home owner is not present for extended periods of time. Here are some tips to follow to reduce the chance of suffering a loss to your secondary home.

• Ask a neighbor or the police to periodically check your home for any problems.
• Use programmable interior and exterior lighting, with varying times, to make it appear the home is continuously occupied.
• Utilize the services of a burglar alarm system with a central reporting feature.
• Turn off the water to the home if possible to reduce the chances of an undetected water loss.
• Store valuables in a safety deposit box.
• Utilize the occasional services of a house sitter to check for interior leaks or signs of other problems.

Get more personal lines insurance and risk management tips and ideas from IRMI.

Copyright 2014
International Risk Management Institute, Inc.