May I recommend, assuming it has been unlocked, making use of the Dream Suite on Main Street to visit towns? Then it doesn't rely on a host and no damage can be done, although it is a little more limiting.
If it hasn't been unlocked, wake Isabelle up in Town Hall ten days after the town's creation, select it from Isabelle's list of public works projects (when sitting in the chair) and give Lloyd 500,000 Bells or whatever it costs at the train station. Catching bugs on the island after 19:00 is a good way of earning Bells.
I have no idea how much knowledge you have about the game, so apologies if I've just waffled away for no reason.