The month of March means many things to residents of Arizona. First, everything — from wildflowers to all variations of weeds — is in bloom. Sadly, this translates to an uncomfortable time of year for those who suffer from severe allergies. Second, and much more pleasantly, it’s time for raspado again! Unless you grew up in Tucson, you might not know about the icy, fruity, and even creamy deliciousness of this local shaved ice treat.
Perhaps even more delightfully, March means vacation time for many of us. Before you hit the road for that much-needed getaway, examine your homeowners insurance to ensure coverage in the event something unfortunate happens.
What About Your Personal Property?
Few of us travel light these days. We’ve become so entrenched in technology that even a trip to a beach resort meant for relaxation includes checking email, posting on social media, listening to our favorite music, and viewing our most beloved videos. That means you’re not simply packing a backpack with a toothbrush and your most comfortable sandals. You’re likely bringing laptops, tablets, smartphones, and gaming devices. If you have kids, try telling them they can’t play Minecraft, Call of Duty, or Mario Bros. for a week and see how much fun vacation becomes.
The good news is that you shouldn’t need to leave any of those entertaining yet expensive devices at home. The right homeowners policy should cover the cost of replacing those items if they get lost or stolen on vacation as part of your personal property coverage. The key word there is should. Always check with your insurer for peace of mind.
Some less reputable companies may sell you a policy at a steep discount just to win your business. When you check the terms of that policy, you might find that you are only covered if the event happens during a solar eclipse or as a result of a direct asteroid strike.
Assuming that you own a fairly standard insurance product, there are still a few things to keep in mind.
First, it is a good idea to keep a running document listing an inventory of possessions that are covered under your plan. This way, you have an idea of what is protected and what is not under your policy. Also, in the unexpected event of property damage, like theft, while you are away, you don’t have to try and remember all your possessions off the top of your head, and you can get your insurance claims settled faster.
Another thing to think about is your deductible. If you hold a $500 deductible and a $300 gaming device was stolen, you’ll pay out of pocket for the device.
There are also likely to be limitations to the amount of the claim you can file. That is why some folks decide to take out supplemental coverage for more expensive items like jewelry.
The idea of one-size-fits-all does not apply to insurance. Each product is different, so your personal property could be covered to varying degrees. The only way to find out for sure is to contact your insurer.
Are You Covered for Liability?
While you’re checking on reimbursement for damaged, lost, or stolen personal property, you also want to find out if you’re covered for liability. Liability works both at home and away from home.
Traveling with kids can make for a particularly adventurous vacation. What happens if one of them immediately breaks a window with a batted baseball at the rented vacation home in which you’re staying? Hopefully, your policy covers the damage. The same could be true if they hit an unsuspecting jogger instead.
One more thing about liability: If you’re planning to travel beyond the United States, definitely check to make sure your liability covers you for adventures in a foreign land. Better to be safe than sorry when it comes to personal property or liability.
Do You Have the Coverage You Need?
Insurance is not on the top of anyone’s to-do list when checking off items to accomplish before leaving for vacation. You would rather spend time finding a great place to stay, planning your points of interest, searching out great restaurants, and a million other things. However, it won’t take long to place a quick call to your insurer. You need to find out if you have the coverage you need.
Get Affordable Home Insurance in Arizona Today
At Oasis Insurance, we’re here to make sure you have the right coverage at the right price. Reach out today for a quick online quote or give us a call at (800) 330-5190. You are also welcome to stop in one of our convenient locations and visit face to face.