Your homeowners insurance doesn’t stop at your property line
Your possessions and more are covered when you’re on vacation
Whether you're heading out of town for a long weekend or a month-long vacation, there are some things you just can't leave at home. Digital cameras, mp3 players and laptop computers are just some of the many things road trippers are taking along to pass the time and preserve memories.
But with travel sometimes comes uncertainty. Is your laptop safe in your cabin? What if a fire damages your hotel room while you're at the beach? Chances are your insurance is covering you just as it would be if you spent the weekend at home.
Your homeowners (or renters) insurance policy extends to all your possessions (up to your policy limits), no matter where they are. If a burglar steals your laptop or a fire destroys your luggage, you're covered no matter where in the world you might be.
"It's not just the high-dollar items that are being protected either," said Mike Maves, Bernalillo Allstate agency owner. "If your luggage is stolen from your room and you have to purchase new clothes to get you through your trip, your homeowners policy may cover the value of the clothes that were taken, as well."
Maves suggests taking an inventory of the items you take with you to ease the claims process should you need to use it.
And your coverage goes beyond your possessions. The liability portion of your policy extends beyond your property line as well. If you unintentionally injure someone and are found to be legally at fault, your homeowners policy will, in most cases, cover you.
Just like at home, though, there are limits and exclusions to your protection on the road, so read your policy carefully. Or before you set off, talk with your insurance agent about what you need to do if something spoils your vacation.
To learn more about protecting your belongings while you're away from home, contact your local Allstate agent. To find one near you, visit www.allstate.com.
The Allstate Corporation (NYSE: ALL) is the nation's largest publicly held personal lines insurer, serving approximately 16 million households through its Allstate, Encompass, Esurance and Answer Financial brand names. Widely known by its slogan "You're In Good Hands With Allstate®," Allstate offers insurance products (auto, home, life and retirement) and services through Allstate agencies, independent agencies, and Allstate exclusive financial representatives, as well as via www.allstate.com and 1-800 Allstate®. As part of Allstate's commitment to strengthen local communities, The Allstate Foundation, Allstate employees, agency owners and the corporation provided $28 million in 2011 to thousands of nonprofit organizations and important causes across the United States.
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