As the weather heats up, you, your friends, and your family might want to explore new places. When you’re away from home, you can’t help but think about the state of your house and if everything is okay. Home insurance protects your home from unforeseen incidents, theft, natural disasters, and vandalism. How can it protect you while you’re on vacation? What if someone steals your items from your hotel room? What if you cause property damage to someone else? Keep reading to learn how homeowners insurance can protect you while on vacation!
Cover Your Personal Property
Home insurance covers your personal belongings when you’re not home. Although personal property coverage has specific policy limits, it will protect your items in case of disaster, theft, and other incidents. Home insurance does not cover your motorcycle, boat, RV, or other “toys” you bring on vacation. You’ll need an additional policy to cover those items. However, homeowner's insurance protects items like clothing, jewelry, luggage, and other valuables.
Personal Liability Is Granted
Another way homeowner’s insurance can protect you while on vacation is by granting personal liability coverage. Your insurance will cover the expenses if you cause physical or property damage while on vacation. If you accidentally knock over a multi-thousand-dollar statue in the hotel lobby, your policy will cover the expense.
If your family were to rent a family vacation home or condo and your nephew accidentally colors on the wall with markers, your personal liability can cover the repair costs. It’s always best to speak to an agent to understand what your policy covers.
How We Can Help
Homeowner’s insurance is essential because it goes beyond its bounds. If an emergency happens outside your home, it’s great to know you have additional protection. Then, you can enjoy your stress-free vacation! Saferoad Insurance offers affordable home insurance in Long Beach and surrounding areas. Don’t hesitate to contact our agents to discuss the best policy coverage for you.