Summer is the season for travel, but it’s also the season for unexpected risks.
Whether you’re planning a weekend road trip or an extended vacation, it’s important to make sure your insurance coverage is up to date.
From your car and home to your travel plans, a quick review of your policies can give you peace of mind while you’re away.
Use this simple checklist to make sure you’re covered before you leave town.
Auto Insurance
Make sure your auto insurance is active and up to date
Check that roadside assistance is included if you’ll be driving long distances
Consider rental car coverage if you’ll be using a rental vehicle during your trip
Review your policy for out-of-state or out-of-country driving rules
Home Insurance
Double-check that your home insurance covers theft or damage while you’re away
Take an inventory of valuables and consider extra coverage for high-value items
Let a trusted neighbor know you’ll be gone, or use smart devices to monitor your home
If you rent out your home while you’re away, make sure you have proper short-term rental coverage
Travel Insurance
Look into travel insurance to cover trip cancellations, delays, and medical emergencies
Confirm your health insurance provides coverage in your travel destination
Consider coverage for lost luggage or travel interruptions
Buy your travel insurance as soon as you book to maximize protection
Pet and Property Prep
If you’re leaving pets behind, confirm that your sitter or boarding service has liability coverage
Unplug electronics and secure valuables
Set timers for lights or install smart cameras for extra security
Update emergency contacts with your insurance provider, especially if someone else is watching your home
When Should You Review Your Coverage?
Ideally, review your coverage a few weeks before you leave. That gives you time to make changes, add temporary coverage, or ask your insurance agent for recommendations.
You may also want to review your policies if:
You recently made a large purchase or home improvement
You’re traveling to a remote area or outside the country
You’ll be gone for an extended period of time
You haven’t reviewed your coverage in the last year