Planning a Trip? Don’t Overlook These Insurance Considerations

Traveling can be an exciting experience, but whether you’re renting a car or leaving your home unoccupied, it’s important to understand how your insurance policies come into play. Here’s a quick guide to ensure you’re covered while you’re away.

Renting a Car

If you’re planning to rent a car during your trip, your existing auto insurance policy may already provide coverage. Many policies include liability, collision, and comprehensive coverage for rental vehicles. However, it’s essential to check your policy details before declining the rental company’s insurance options.

For added peace of mind, some credit cards also offer rental car insurance benefits when you use the card to pay for the rental. Make sure to confirm the terms and coverage limits with your card issuer to avoid overlapping coverage.

Leaving Your Home Behind

While you’re away, your homeowners or renters insurance typically covers your property against risks like theft, fire, or vandalism. However, certain precautions can help reduce the chances of needing to file a claim:

  1. Secure Your Home
    Lock all doors and windows, and set your home security system if you have one.
  2. Pause Deliveries
    A pile of mail or packages can signal to thieves that no one is home. Pause deliveries or ask a trusted neighbor to collect them.
  3. Maintain Your Home’s Appearance
    If you’ll be gone for an extended period, arrange for lawn care or snow removal to make it look like someone is home.

Personal Property Coverage

If you’re traveling with expensive items like laptops, cameras, or jewelry, your homeowners or renters insurance might cover these belongings against theft or loss, even while you’re away. Check your policy limits, and consider additional coverage if needed.

Traveling with peace of mind starts with knowing your insurance is up to date. If you’d like to review your auto or homeowners insurance policies before your trip, give us a call at 714-968-8008. We’re here to help you stay protected, no matter where your adventures take you!