Does my homeowners insurance protect me from claims while I’m away on vacation?

Yes, homeowners insurance can provide protection against claims while you're away on vacation, but the extent of coverage will depend on the specifics of your policy. Most homeowners insurance policies include liability coverage, which can protect you if someone is injured on your property or if you accidentally cause damage to someone else's property. This coverage can apply whether you are at home or away on vacation, as long as the incident occurs within the policy's coverage territory. However, it's important to note that your homeowners insurance policy may have limitations on the length of time you can be away from your home before the coverage is affected. Some policies have a vacancy clause, which means that if your home is unoccupied for a certain period of time, typically 30 days or more, the coverage may be limited or excluded altogether. Additionally, if you're away on vacation and a covered event, such as a fire or theft, occurs on your property, your homeowners insurance policy may still provide coverage for the damages. However, it's essential to notify your insurance company as soon as possible to report the incident and file a claim. It's also worth considering adding extra liability protection, such as an umbrella policy, to your homeowners insurance. An umbrella policy can provide additional coverage above and beyond your homeowners policy limits, which can help protect you from large claims that may exceed your homeowners insurance coverage. In summary, homeowners insurance can protect you from claims while you're away on vacation, but the extent of coverage will depend on your policy's specific terms and conditions. If you're planning an extended vacation, it's important to review your policy and speak with your insurance agent to understand any limitations or exclusions that may affect your coverage.