How to Secure Your Home While Travelling Out of Town

Posted on: Jun 9, 2025 | 3 mins | Written by: HDFC ERGO Team

How to Secure Your Home While Travelling Out of Town

Holidays create an automatic worry for us about our home situation while we are away. Your home adventures become more pleasant when you secure your residence first. We will discuss home protection methods when you are not present. Our presentation combines factual information with legal knowledge along with basic security points that work well in Indian environments.

Lock It Down, Mate

Your first step should be to secure your locks. Simple, right? Despite this many houses remain unprotected. A secure main door needs both its primary lock and deadbolt. Check all the windows too. Such an easy solution makes a big difference. Smugglers usually enter homes through balcony doors and side windows when these entry points remain unprotected.

Homeowners insurance is key here. No matter your housing agreement you should have an insurance policy that protects you against damage and theft.

Smart Tech, Old Traditions

Living in our modern time people benefit hugely from using technology. Set up basic security cameras to improve building security. The new smartphone notifications based on smart camera technology help protect your home securely. The habit of electrical power failures and poor internet service in India requires you to plan alternatives for backup. The best security plan links high-tech devices with basic neighbourhood protection.

Talk to your neighbours. In many Indian localities, neighbours watch over each other. A friendly nod, a quick message – these simple steps are as effective as any gadget.

Travellers can find specific coverage through home insurance for travellers because certain insurers have created policies for unoccupied residences. The plan ensures coverage of any risks that occur during empty home situations. You will pay slightly more for this coverage which operates as a dependable backup system.

Know the Law, Sort It Out

The defence provided by legal protections matches the level of security that physical elements provide. Home protection in India falls within well-defined boundaries of the law. The Indian Penal Code designates burglary together with theft as serious legal offences. The law treats unauthorised entry to property with severe consequences. For instance, Section 378 deals with theft. These laws exist even though tourists generally plan their travel a great deal in advance yet they become crucial during unforeseen emergencies.

In the Regulatory Framework for home insurance in India homeowners are not obligated to buy insurance but the scheme is strongly suggested due to its benefits. Some lending banks require insurance as a loan condition for borrowers. Having renters insurance proves essential since it protects personal items even if the landlord's insurance policy merely safeguards the property building.

Layer Up Your Security

Security multiple times is never excessive. Your home security plan should begin with superior locking systems and continue with monitoring systems before reaching out to your neighbour community members. Consider a security alarm. Small noisy alarms act as great crime deterrents for criminals who avoid getting observed during their activities. Install motion-sensor lights. When darkness covers a house it creates the perfect conditions for unwanted conduct. The best approach for maintaining security involves initiating quick light activation around dusk as well as maintaining consistent bright illumination.

Anyone attempting entry through yard pathways will find it difficult due to proper trimming of bushes near entrances. These plants create the perfect opportunity for identifying someone who attempts to break in secretly. A minimal extra effort in maintenance during a few minutes can successfully prevent significant break-ins.

Insurance: Your Safety Net

It is crucial to remember the monetary advantages that insurance provides. A home insurance policy protects against losses stemming from fire and theft together with natural disasters that include floods and earthquakes. Indian homeowners choose to insure their homes because it is not compulsory by legal statutes even though this coverage provides protection from various perils. Every traveller needs to verify their coverage under home insurance for travellers policy. The insurance policy exists to safeguard issues that emerge during your absence. The best renters insurance policies provide comprehensive coverage for personal items that tenants possess. All types of insurance policies relating to property protection belong to the classification of property insurance. These kinds of insurance policies aid people in reconstruction efforts after incidents occur.

The insurance policy details matter greatly. Home insurance policies restrict coverage of dangers which include floods and earthquakes unless you choose to upgrade your plan. People who reside in flood-prone areas of Assam along with West Bengal and Odisha need to consider obtaining flood damage coverage as an additional expense. Under the guidelines established by the Insurance Regulatory and Development Authority of India (IRDAI) security and fairness protect policyholders throughout the policy process. So, do your homework.

The Legal Lowdown

After an accident happens your ability to receive a settlement depends on adequate procedural adherence. Hold onto all purchased items and use photos to document every single damage in your home. Details play a major role in insurance just as the devil does in other matters. The best practice is to provide excessive documentation to avoid inadequate documentation. Deadbolts along with other stated precautions form an essential part of your policy requirements so not following them can result in reduced claim amounts. So, follow your insurer’s guidelines.

Trust, But Verify

Homeowners often commit a common error through their belief that mishaps will never occur. That’s a risky mindset. Both Mumbai and Delhi along with other cities experience incidents regularly. The claim settlement ratio of your insurance policy should be checked before you make your purchase. Homeowners should consider high ratios as positive signs that insurance companies maintain solid reliability. Professional installation should be confirmed when you purchase updated security systems. The improper self-installed system often creates openings for security vulnerabilities to occur.

Balancing Cost and Coverage

Cost is always a consideration. The cost of home insurance coverage depends on your residential area and home value and established risks throughout the property.

Cheap choices do not always deliver maximum value to customers. Guarding against both excessive financial burden and unsatisfactory protection should be your main concern. Finding insurance that will keep you from going without support when disasters occur needs to be your main goal.

A Few Final Words

The key to protecting your house during travel exists within your planning effort and constant attention to your home situation. Having both a protected home that is insured will allow you to travel without worrying about your property. This can involve any type of insurance such as home insurance, homeowners insurance or renters insurance. The requirements to have property insurance go beyond mandatory regulations since purchasing this coverage protects you from unexpected events.

Don’t be complacent. A few basic measures will protect your home from break-ins as well as from natural disasters. The small additional work will lead to better sleep because your property is safeguarded.

Happy travels, and safe returns!

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

All You Need to Know About Home Insurance for Travellers

Does Home Insurance Cover contents of your home while you go out for a trip

What Is High-Value Home Insurance and Do You Need It?

Is home insurance mandatory in India?