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Summer Fun, Insured - Part 2

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It's vacation season! But before you hit the road this summer, check with your insurance agent to make sure you’re properly protected. Here are some tips to review your coverage to make sure you and your family are insured for the increased risks that come with summer travel. 

 

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Rentals
For some of us, renting our summer fun is the way to go. But rentals also carry their own set of insurance risks and exposures.

 

Recreational Vehicles/Motor Homes
Most standard personal auto policies don't provide coverage for damage to a rented motor home. While liability coverage for personal use is provided, consider the size of a motor home and the potential damage it may cause. The liability limits on your personal auto policy may not be enough.

 

Rental Cars
Car rental companies offer optional insurance coverage called Collision Damage Waiver to protect you from financial responsibility should the vehicle be stolen or damaged while under your control. Personal liability, bodily injury, and property damage would still be covered under your personal auto policy.

 

Vacation Homes
Your personal liability coverage follows you anywhere in the world, as does coverage for your personal belongings up to a certain percentage based on the personal property coverage amount on your homeowner’s policy. Should your rented vacation home be damaged or become uninhabitable, there may be no Loss of Use coverage under your homeowner's policy, so you would be responsible for expenses to find other lodging or to travel home.

 

Whether you own or rent your summer fun, a personal umbrella policy offers an additional layer of protection over what most primary liability policies provide

 

Ask your agent before putting your summer fun to use:

  • Does my policy have adequate liability limits?
  • Are there special discounts for taking safety courses?
  • Who is covered to operate the recreational vehicles?
  • Are recreational vehicles permitted on public roads if this is their primary use?
  • Is my recreational vehicle required to be licensed and registered?

 

Whether you own or rent your summer fun, a personal umbrella policy offers an additional layer of protection over what most primary liability policies provide.

 

Curious about boats, ATVs or classic cars? Check out part one of this series!

 

Jody Nieswaag
Personal Lines Agent
Insure Forward, Jamestown

 

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Guest Monday, 22 September 2014