Frequent travel is commonplace in today's global society, whether it's for business or pleasure. A lot of people are not aware that they can be protected around the world, in a wide variety of ways, by their home insurance policy.
So you're going on vacation. Or you're a snowbird, heading to Arizona for the winter. Your favorite golf clubs, clothing and accessories, and laptop are going with you, and these carry considerable value. If something happens to them while you're travelling, will your home insurance cover them? Travel insurance costs can go up when someone pays for baggage coverage, so look into whether your home insurance policy will cover you before choosing that option. The result could be a savings to you, and it will likely also cover these items while you're in your home country as well.
Personal items that are taken out of the home on a temporary basis are already covered by the majority of home insurance policies. Home insurance policies also give you liability coverage for your personal actions anywhere in the world, if you unintentionally cause damage to another person or their property.
The kinds of losses that home insurance would protect against:
You fly to Italy, and accidentally drop your camera in the canal while going for a gondola ride. Protected or not? After the deductible is paid, the camera will be replaced if you have comprehensive home insurance, even if you are halfway across the world when you lose it.
You could be on a surfing trip to Hawaii and may cause injury to another surfer by accident. Insured or not? Liability insurance, included in your home insurance policy, will cover you if you're sued as a result of unintentionally injuring another person, anywhere in the world!
You just finished golfing the game of your life. And decide to go have a few drinks in the club with your fellow players. As you're leaving, you notice that your golf clubs have been stolen. Insured or not insured? Your personal property is covered anywhere in the world, so your policy should definitely respond. Sporting goods such as golf clubs may not be fully covered, so be sure to check your policy closely. Be sure to ask your insurance provider to increase your insurance coverage in case of an event like this.
With your RV all packed up, you drive up the California coast for some vacation time. While you're out walking on the dunes, someone breaks into your RV and steals your laptop and rips the flat screen tv off the RV wall. Are these items insured or not? Since your laptop was only temporarily taken out of the home, your home insurance policy will most likely provide protection here. If your TV was attached to the RV itself, it will fall under your RV's insurance policy.
Having knowledge that your home insurance policy offers you protection as you vacation provides you some peace of mind.
So you're going on vacation. Or you're a snowbird, heading to Arizona for the winter. Your favorite golf clubs, clothing and accessories, and laptop are going with you, and these carry considerable value. If something happens to them while you're travelling, will your home insurance cover them? Travel insurance costs can go up when someone pays for baggage coverage, so look into whether your home insurance policy will cover you before choosing that option. The result could be a savings to you, and it will likely also cover these items while you're in your home country as well.
Personal items that are taken out of the home on a temporary basis are already covered by the majority of home insurance policies. Home insurance policies also give you liability coverage for your personal actions anywhere in the world, if you unintentionally cause damage to another person or their property.
The kinds of losses that home insurance would protect against:
You fly to Italy, and accidentally drop your camera in the canal while going for a gondola ride. Protected or not? After the deductible is paid, the camera will be replaced if you have comprehensive home insurance, even if you are halfway across the world when you lose it.
You could be on a surfing trip to Hawaii and may cause injury to another surfer by accident. Insured or not? Liability insurance, included in your home insurance policy, will cover you if you're sued as a result of unintentionally injuring another person, anywhere in the world!
You just finished golfing the game of your life. And decide to go have a few drinks in the club with your fellow players. As you're leaving, you notice that your golf clubs have been stolen. Insured or not insured? Your personal property is covered anywhere in the world, so your policy should definitely respond. Sporting goods such as golf clubs may not be fully covered, so be sure to check your policy closely. Be sure to ask your insurance provider to increase your insurance coverage in case of an event like this.
With your RV all packed up, you drive up the California coast for some vacation time. While you're out walking on the dunes, someone breaks into your RV and steals your laptop and rips the flat screen tv off the RV wall. Are these items insured or not? Since your laptop was only temporarily taken out of the home, your home insurance policy will most likely provide protection here. If your TV was attached to the RV itself, it will fall under your RV's insurance policy.
Having knowledge that your home insurance policy offers you protection as you vacation provides you some peace of mind.
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