Your stuff is your stuff, no matter where it is. You have homeowners insurance to protect not only your house, but also the belongings stored there that turn it into a home. Did you know that your homeowners insurance probably offers protection for your belongings that are temporarily outside of your home?
That means that items in your car or suitcases full of things that you bring on vacation are often covered under your home insurance. Whether your laptop is damaged in a car accident or your luggage is lost by an airline, your home insurance can help cover the losses. However, it is important to note that certain high-value items (like jewelry and sporting equipment) may have coverage caps under a standard policy, and adding on a policy rider is a good option for protecting the full value of these items.
Additionally, home insurance also protects you from risks you may not have thought about while you’re away on vacation. For instance, a friend who stops by to collect your mail may trip over a TV cable in your home and injure herself. Legally, you are responsible for covering the costs associated with third party injuries that occur on your property. Luckily, standard home insurance policies come with liability coverage to protect you against similar circumstances.
And while taking a vacation is certainly the most enjoyable way to be away from home, it’s not the only reason to vacate the house. If a storm or fire significantly damages the property, you and your family may have to leave for a while so repairs can be made. Many standard home insurance policies come with loss of use coverage, which helps fund hotels and restaurants during this time.
Interested in learning more about the details of your policy? Your independent insurance agent can help review your coverage.
Protect your possessions, whether at home or away. Call McCallum Insurance Agency at 440-899-2700 for more information on Ohio home insurance.