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Insuring Your Home

When we started thinking about buying a home, I realized that we had a boatload of work to do. I knew that we needed to save up a down payment, talk with a mortgage broker, and most importantly--figure out what we were doing about homeowners insurance. Fortunately, a friend of mine told me about a great insurance broker in our area who handled that kind of thing. We met with her to talk about our options, and before we knew it, we had found a policy that really melded with our budget and lifestyle. This blog is all about insuring your home.

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What Insurance Do You Need For A Vacation?

Planning for a vacation takes more than just figuring out where you want to go and finding cheap flights. You also need to make sure your family is protected from things that might go wrong when you travel. To do that, you need the right insurance coverage.

Vacant Home Insurance

If you're going to be gone for weeks, you need to check to see if your home insurance has vacant home exclusions. These exclusions keep you from filing claims for things that happen if you leave your home unattended for a long period of time. This can include things like a burst pipe or a window broken by a burglar that end up being much more damaged than if you were home to discover them immediately.

Your home insurance policy may say how long you can leave your home unattended. It will also tell you if a house sitter dropping by resets the clock or if there has to be someone living there. If your home insurance doesn't cover you, you need to add vacant home insurance.

Auto Insurance

If you plan to drive your own car across the United States, you usually don't need to add extra auto insurance for other states. Your policy will almost always cover you in other states. However, if you plan to drive to Mexico or Canada, you may need to buy auto insurance coverage that's valid in those countries. If you plan to fly somewhere and rent a car, you need to find out if your car insurance covers rentals and if it has restrictions on the type or value of the rental car it will cover.

Health Insurance

If you fall ill or get hurt while traveling, your health insurance may cover your medical bills, treat them as out-of-network and charge you more, or not provide coverage at all. It depends on what type of plan you have. Like with auto insurance, you'll usually have at least some coverage within the United States, but you'll probably need special travelers' insurance if you leave the country.

Another cost to consider is if you need to be evacuated from a remote location or transported back home before you fully recover. Even if your local doctor's bills are covered, these types of expenses usually won't be covered by your standard health insurance policy.

To make sure you have the right insurance for your vacation, talk to your local insurance agent today.