Traveling for the Holidays? Here's What You Need to Know.
Insurance Neighbor • Nov 16, 2023
The holiday season is just around the corner, and many of us eagerly plan trips to spend quality time with loved ones. However, before you embark on your holiday adventure, it’s crucial to consider the safety and security of your home while you’re away. There are various ways to keep your home safe and secure during your holiday travels. While your homeowner’s insurance can play a vital role in achieving peace of mind, traveler’s insurance may also be crucial.
Home Security While You’re Away
- Lock All Doors and Windows: Before leaving, double-check that all doors and windows are securely locked. Consider investing in smart locks and security systems that allow you to monitor and control your home remotely.
- Inform a Trusted Neighbor: Let a trusted neighbor or friend know about your travel plans. They can keep an eye on your property, collect mail, and even park their car in your driveway to create the illusion that someone is home.
- Timed Lights: Use timers to set lights to turn on and off at different times throughout the day. This gives the appearance of an occupied home.
- Hold Mail and Deliveries: Contact your local post office to hold your mail and request package delivery suspensions during your absence. A pile of mail or packages on your doorstep can signal that you’re not home.
Homeowner’s Insurance for Peace of Mind
Your homeowner’s insurance policy can provide essential protection while you’re away. Here’s how:
- Coverage for Theft: If, despite your precautions, your home is burglarized during your absence, your homeowner’s insurance policy can help cover the cost of stolen items and repairs for any damage caused during the break-in.
- Liability Coverage: If someone is injured on your property while you’re away, your homeowner’s insurance may cover their medical expenses and potential legal fees.
- Additional Living Expenses: In the event of significant damage to your home that makes it temporarily uninhabitable, your homeowner’s insurance can cover the cost of alternative accommodations and additional living expenses while your home is being repaired.
Travel Insurance for Your Journey
While protecting your home is essential, safeguarding your holiday travel is equally crucial. Travel insurance can provide valuable coverage for unexpected events such as trip cancellations, delays, medical emergencies, and more. Here’s why you should consider travel insurance:
- Trip Cancellations: Life is unpredictable, and plans can change. Travel insurance can reimburse you for non-refundable expenses if you cancel your trip due to unforeseen circumstances.
- Medical Emergencies: If you or a family member falls ill or gets injured while traveling, travel insurance can cover medical expenses, emergency medical evacuation, and repatriation.
- Lost Luggage: If your luggage is lost, damaged, or stolen during your journey, travel insurance can provide compensation to replace essential items.
- Travel Delays: Travel insurance can cover expenses incurred due to travel delays, such as accommodation and meals.
Before embarking on your holiday travels, take the time to review your homeowner’s insurance policy and consider purchasing travel insurance for added protection. You can find our agents in your local area to assist you with preparing for your holiday plans. With the right coverage, you can enjoy your holiday season with peace of mind, knowing that your home and journey are safeguarded. Safe travels!
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