Summer Vacation Insurance Checklist: Are You Covered?

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