How to Protect Your Property While Your Tenant is Away

Summer is short, and Canadians know how to make the most of it. Whether it's a quick trip to the mountains, a long weekend at the lake, or a long-overdue vacation somewhere hot, getting away is part of the rhythm this time of year. But before you slip into full relaxation mode, it’s worth taking a few simple steps to protect what you’re leaving behind.

After decades in the rental game, I’ve learned that peace of mind doesn’t come from crossing your fingers—it comes from preparation. Whether you're a landlord, tenant, or homeowner, these quick steps can help you avoid the kind of surprise you really don’t want waiting for you back home.

Why Summer Still Brings Risk

Most people think of winter as the risky season for homes, and they’re not wrong. But summer can be just as unpredictable:

• Heat waves can overload A/C units and even cause older plumbing to fail.

• Storms can appear out of nowhere and cause significant damage.

• And a quiet, empty property can attract the attention of the wrong people.

1. Shut Off the Water

This is one of those low-effort, high-reward steps. Even a minor plumbing issue can escalate quickly if no one’s around to notice. Shutting off the main water valve and draining the lines if you’ll be away for more than a few days can help you avoid a major insurance claim (and an unpleasant surprise when you arrive home).

2. Make It Look Like Someone’s Home

You don’t need a Hollywood-style decoy setup, but a little effort goes a long way in keeping your home off an intruder's radar.

• Set lights on timers.

• Ask someone to mow the lawn or water plants.

• Pause your mail, or ask a neighbour to collect it.

• If you’re on social media, consider holding off on sharing vacation photos until you’re back. Trust me on this one.

And if you haven’t looked into home security systems lately, it’s worth doing. Many now offer remote access and can even earn you a discount on your insurance.

3. Check the Weather (Here, Not Just There)

You’ve probably already checked the forecast for your destination. But what’s happening back at home matters too. I’ve seen more than one perfectly good vacation disrupted by a surprise summer storm that took out the power or sent a patio umbrella flying into the neighbour’s yard.

Before you leave:

• Set your thermostat 5–10°C warmer than usual—don’t turn it off entirely.

• Close blinds or curtains to manage heat and protect interiors.

• Check for anything outdoors that might need securing.

4. Review Your Insurance Policy

It’s not exciting—but it is important.

• Landlords: Most insurance policies have vacancy clauses. If the property remains unoccupied for an extended period without being inspected, your coverage may be affected.

• Tenants: Your insurance may also require regular check-ins if you're away.

Talk to your provider and make sure someone is inspecting the property every 72 hours (or whatever your policy requires). This is one of those “better safe than sorry” situations.

5. Have Someone You Trust Drop In

A trusted neighbour, friend, or family member doing a quick check-in every few days can make a big difference. They can bring in mail, water plants, and catch issues early, before they turn into costly surprises.

6. Walk Through the Basics

Before you head out the door:

• Lock all doors and windows (yes, even the garage)

• Unplug small appliances

• Take out the garbage

• Tuck away valuables

• Secure patio furniture or bring it inside if storms are in the forecast

Need a checklist? We’ve got you covered:
Download our Vacation Property Checklist

Who's responsible for what when something goes wrong

This is a question we often receive, and it’s especially important when properties are left unoccupied.

Let’s break it down:

Landlord Insurance

Landlord insurance is designed to protect the property owner. It typically covers:

• The physical structure of the home or unit

• Liability coverage if someone is injured on the property

• Loss of rental income due to covered damages (e.g., a fire or flood)

But—and this is key—it does not cover the tenant’s belongings or personal liability.

Most landlord policies also include a vacancy clause, which may limit or void coverage if the home is left empty for an extended period without regular checks. That’s why those 72-hour inspections matter so much.

Tenant Insurance

Tenant (or renters') insurance is the tenant’s responsibility. It covers:

• Personal belongings (furniture, electronics, clothing, etc.)

• Liability coverage (e.g., if you accidentally cause water damage to your unit or a neighbouring one)

• Living expenses if the home becomes uninhabitable and you need temporary accommodation

It’s an affordable policy, but without it, tenants can be on the hook for costly damages, not just to their unit, but also to others nearby.

In short? Landlords are responsible for insuring the property. Tenants are responsible for insuring their personal items and liability. Both parties should maintain active and up-to-date policies, especially during extended absences.

If you're a Hope Street client, you’ll be happy to know our VIP Armchair Landlord package includes access to exclusive insurance options, offering enhanced coverage that goes beyond the basics.

Enjoy Your Vacation—We’ll Keep an Eye on Things

At Hope Street, we don’t just offer tips—we offer real support. Our property management clients have access to regular property checks and exclusive landlord and tenant insurance that goes beyond the basics. It’s designed to help you step away with confidence, knowing your property is in good hands.

If you're wondering whether property management is the right fit for your lifestyle or investment goals, take a look at an info pack for your designated city: Explore Our Landlord InfoPacks.

Summer is for stepping back, not stressing out. Let us help keep your property protected while you enjoy the time off.