How Homeowners Insurance Follows You on Vacation

Together with partner Keith Signoriello, Ben Cavallo is the principal and co-owner of C&S Insurance.

Your bags are packed and you’re ready to head off on your well-deserved vacation for some R&R. You prepped your home for your absence, but there’s still that nagging feeling in the back of your mind – what if something goes wrong on the trip? Good news! Your homeowners’ insurance policy may protect you even when you’re away from home.

  • 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!