Will your health insurance cover you overseas?
Your health insurance may not cover you.
Health insurance policies, including Medicare, may not cover you overseas or on a cruise flying under a foreign flag. Contact your health insurance carrier to find out what coverage you do have when you’re traveling.
Do you need more insurance when renting a vacation home?
If you’re renting a property or exchanging homes with another family this summer, your homeowners insurance policy might extend to the property where you’ll be staying. Generally, as a renter you are not responsible for damages caused by unavoidable accidents, such as faulty plumbing. However, there are circumstances where you could be considered partially responsible for damages due to negligence, and you may be expected to pay for them.
Need a lift? Towing might be included.
Before you leave on a road trip, check your car insurance policy to see if you have towing and labor or emergency roadside service. Coverages and limits are different for each carrier, but typically, this coverage will pay the cost of towing your car to a repair shop if it is unable to be driven. Also, it may cover tire changing, delivery of gas, oil or water, battery services or lockout services.
Left a sprinkler on?
A couple hours into your journey and realize you are still watering the lawn at home?
Unfortunately, your homeowner’s policy doesn’t cover damage from water that originated outside of the home. As a precaution, always make sure you’ve turned your hose or sprinkler system off before pulling out of the driveway. In case it slipped your mind, call a friend or neighbor to help you out.