As you pack your bags for your Spring getaway and check things off your list, one thing often missing on the to-do list is: check insurance. That’s ok! While you should remember to put your valuables in a safe and stop your mail to protect your home when you’re gone, you can rest assured you can count on your home and auto insurance coverage to protect you even when you’re away. Here are a few ways your home and auto insurance protect you when you’re traveling:
1. Road service coverage
While hitting the open road is a great adventure, sometimes breakdowns happen. Your auto insurance may provide you with emergency road service coverage, which can reimburse you for towing expenses, delivery of fuel, repair parts and labor charges.
Avoid breakdowns by keeping your car on its regular maintenance schedule and pack and emergency kit just in case.
2. Coverage for others to drive your car
Sharing driving duty with others on a road trip? Rest assured, if you give other licensed drivers permission to use your car, they are usually covered. This includes teens with learner’s permits!
3. Rental vehicle coverage
When you’re offered insurance coverage through your rental company, you likely won’t need it. Generally, your auto policy should apply to the rental vehicle as long as you are driving within the United States (including your deductible). Always read the contract carefully and ask the rental agent to explain anything if you’re unsure.
Additionally, you can add vehicle rental and trip interruption coverage to your auto insurance to help if you have an accident away from home. With this protection, you may be reimbursed for a rental car if you have a covered claim, and if you have an accident more than 100 miles from home, you could also apply this coverage to travel expenses like transportation, lodging and meals. Expense limits differ by state, so talk to your insurance representative about the types of coverages where you live.
4. Coverage for belongings and damage at a hotel or home rental
If you are the victim of theft or if you accidentally cause damage while you’re renting a vacation home or staying in a hotel, you have coverage for your personal property and liability coverage for situations you are legally liable for.
It’s always best to check your policy or speak with your agent if you have questions. An annual review with your insurance representative is best practice and an opportunity to re-familiarize yourself with your policy. These regular reviews ensure you and your agent are on the same page.
To speak with a local COUNTRY Financial insurance agent about this topic, please reach out to one of COUNTRY Financial’s Colorado agencies in Fort Collins (970) 221-9655, North Denver (303) 940-6864 or South Denver (303) 368-5202.