Happy Labor Day everyone! Typically, a planned trip with the family should be relaxing, refreshing and stress free. However, if you do not have adequate insurance, or do not know everything that your insurance coverages, it might become a factor to stress and worry you throughout your trip. How can you ensure that you have everything covered? What are the things you should consider adding to your home insurance? Read on to find out.
Four ways your Florida home insurance travels with you everywhere
Here are a few things that you should ideally include in your home insurance plan if you are a frequent traveler and have to leave your home empty often.
- Safeguard for personal property outside your home – A lot of people do not know that most home insurance plans cover movable property even if they are not in or around your home. If personal property gets damaged or stolen on a trip, it may be covered in your plan. Ensure that equipment and other expensive and valuable things you carry on your trips are included in your plan.
- Pay for hotels during renovation due to covered damages – If your home is ravaged by a natural calamity, or gets damaged due to other reasons that are covered under your insurance plan, the insurance will also cover for hotel stay while your home is renovated.
- Personal liability covered even if you are not home – If you have a pet that injures someone while you are way, or if a house help or someone you have given access to your home in your absence meets with an accident in your home, your insurance will cover the related costs. This includes legal costs, medical costs and other damages that you may incur.
- Costs of roadside assistance and towing charges – If you are doing a road trip and get stranded in the middle of nowhere, you will have to get road side assistance to repair your vehicle. It may also need to be towed if it cannot be repaired right away. These costs can be high, but will ideally be covered in your insurance plan.
It is important to look closely at your insurance paperwork and understand what your plan does and does not cover. If you travel frequently, these above pointers can go a long way in keeping you safe from spending from your pocket for expensive damages. Check your homeowners insurance papers today and get the necessary changes made before your next trip, or contact the home insurance experts at Anderson & Associates today for a free policy review. We’ll be glad to help!
