Summer time is here, and the season of vacationing is upon us. Before you start packing your bags, though, you may want to make a call to your insurance agent to ensure that your belongings are covered while you’re away.
Not only do you have your unattended house to worry about, you have the possessions with you to consider as well. For instance, do you know whether your laptop is covered by your homeowners policy if it’s stolen from your hotel room? What about lost luggage? Read on to find out what you need to do before going on vacation this year.
Homeowners and Renters Insurance
If your stuff gets stolen on vacation, you can expect your homeowners policy to cover up to 10 percent of your limit for personal property. For example, if you have $250,000 worth of coverage at home, then you have $25,000 worth of coverage on the go. This can vary by policy, though, so definitely call and get confirmation from your agent. Also, you’re typically covered in the event of fire or theft, but not if your items are lost, though some policies will have an allowance for lost luggage. Again, you’ll have to check with your agent to be certain.
If you aren’t a homeowner, your renters insurance policy could help you pay for stolen or destroyed property while on vacation. If you’re a renter who doesn’t currently have a renters policy, you may want to reconsider. The landlord’s policy only covers the property itself—not your belongings. If your apartment gets robbed while you’re out of town, or your hotel burns to the ground while you’re at the beach, you need coverage. Why risk it?
If you’re taking your own car on vacation, make sure that it is in perfect running order, and call your agent to be certain your policy is up to date, with no stipulations for taking it out of town on vacation. If you plan on renting a car, check with your agent to see if rental cars are covered on your policy. If so, you can opt out of the insurance offered by the rental company. Regardless of whether you use your auto policy or the rental agency’s, you’ll want to double-check the limitations of coverage. Many agencies will only cover damage to the car, not personal injury or damage to other cars.
Now that you know all the things to check for, call Prime Insurance Agency today at 630-442-0282 to confirm your Roselle home insurance coverage. Then you can go ahead and start packing your bags. Don’t forget your sunscreen!