How Homeowners Insurance Follows You on Vacation

Heading out on a well-deserved trip? Did you know your homeowners insurance on vacation may still protect you and your belongings while you’re away? From personal liability to coverage for property damage, understanding how your policy applies off-premises can give you peace of mind as you travel.

Personal liability

Personal liability is a quintessential component of your homeowners’ policy that protects you in the event of an accident that results in bodily injury or property damage that you are held legally responsible for. Most people don’t realize that this insurance coverage may also shield you from liability while on vacation. From accidental slips and falls to unintentional damage to rented accommodations, personal liability insurance provides peace of mind as you travel.

Medical expenses coverage

Much like personal liability, this portion of your policy will likely follow you on your travels. The details will vary based on the specifics of your policy, but generally speaking, your policy may account for coverage “either on or off the insured’s premises”.

Property damage

More good news! You don’t necessarily need to leave your valuable items behind when you travel. The portion of your policy that protects your personal belongings often applies whether you’re at home or on vacation. Just be sure to double-check the limits of your policy, as they may be lower when you’re away from home.

Homeowners insurance can serve as a reliable shield, offering peace of mind while you’re away from home. By understanding the extent of your coverage, you can travel with confidence, knowing that your home and belongings are in good hands, even when you’re miles away. Questions about your coverage? Schedule a personalized policy review with our knowledgeable team. Don’t wait until it’s too late – protect what matters most. Contact us now!