You\u2019ve booked the flights, packed the bags, and even remembered to water the plants before leaving town (go you!). Whether you\u2019re off for a two-week beach vacation or heading south for the season, there\u2019s nothing quite like the feeling of a good old fashioned summer vacation.<\/p>\n\n\n\n
But here\u2019s a friendly reminder: taking a break<\/em> doesn\u2019t mean you\u2019re immune to risks, and life can still happen even while you\u2019re on vacation.<\/p>\n\n\n\n While you\u2019re away relaxing, life keeps moving back home \u2014 and unfortunately, so do potential risks. From frozen pipes to break-ins or even liability issues, things can go sideways when no one\u2019s around to notice. So, before you hop on that plane or head off in your RV, here are a few insurance tips to keep your peace of mind packed right next to your flip-flops.<\/p>\n\n\n\n If your house is going to be empty for a while, especially for long-term travelers or snowbirds, make sure your homeowners insurance covers extended absences. Some policies have time limits, and certain coverages may be limited if the home is unoccupied.<\/p>\n\n\n\n Quick tip:<\/strong> Let your agent know how long you\u2019ll be gone and ask if you need an endorsement for a vacant or unoccupied home.<\/p>\n\n\n\n If your car will be parked in the garage while you\u2019re away, you might be tempted to cancel or reduce your auto insurance. But hold up! If your vehicle is still registered or financed, dropping coverage could cause headaches (or even penalties).<\/p>\n\n\n\n Instead:<\/strong> Talk to your agent about switching to a \u201ccomprehensive-only\u201d policy while it\u2019s in storage. It can still protect your car from theft, fire, or weather damage without paying for unnecessary liability coverage.<\/p>\n\n\n\n Owning homes in different states? That\u2019s awesome! But you\u2019ll want to make sure both properties are properly insured, especially if one sits vacant for part of the year. Insurance requirements (and risks) can vary depending on location, climate, and time of year.<\/p>\n\n\n\n Pro tip:<\/strong> Work with an independent agent who can help coordinate your coverage across multiple properties and states.<\/p>\n\n\n\n Because what summer vacation is complete without a good umbrella?<\/p>\n\n\n\n When you\u2019re away, accidents can still happen. And if something goes wrong, your standard liability coverage might not be enough. That\u2019s where umbrella insurance comes in. It provides additional protection beyond your home and auto policies, covering things like major accidents or lawsuits.<\/p>\n\n\n\n Why it matters:<\/strong> If someone slips on your icy sidewalk while you\u2019re out of town, or you\u2019re held liable for damages that exceed your policy limits, umbrella insurance helps pick up where your other policies leave off.<\/p>\n\n\n\n This one\u2019s not exactly an insurance policy, but it might as well be: have a neighbor or friend check on your home while you\u2019re away. Not only can they catch any small issues before they turn into big ones, but some insurance policies even require regular check-ins to maintain full coverage!<\/p>\n\n\n\n Vacations are for relaxing \u2014 not worrying about what could go wrong back home. With the right insurance coverage and a little planning, you can fully enjoy your time away knowing you\u2019re protected.<\/p>\n\n\n\n Ready to talk insurance? Get in touch with us today before you hit the road or runway! We\u2019ll make sure you\u2019re fully covered so you can enjoy your summer vacation to the fullest. You can give us a call at 303-773-3332, email us at info@avalueinsurance.com<\/a>, or request a consultation right here online!<\/p>\n","protected":false},"excerpt":{"rendered":" You\u2019ve booked the flights, packed the bags, and even remembered to water the plants before leaving town (go you!). Whether you\u2019re off for a two-week beach vacation or heading south for the season, there\u2019s nothing quite like the feeling of a good old fashioned summer vacation. But here\u2019s a friendly reminder: taking a break doesn\u2019t […]<\/p>\n","protected":false},"author":2,"featured_media":5840,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[37,9,43,13,14,47],"class_list":["post-5839","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-auto-insurance","tag-avalue-insurance","tag-home-insurance","tag-insurance-education","tag-insurance-policies","tag-umbrella-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t1). Check Your Home Insurance Before You Leave<\/strong><\/h2>\n\n\n\n
2). Update Your Auto Insurance (Even if You\u2019re Not Driving)<\/strong><\/h2>\n\n\n\n
3). Snowbirds: Don\u2019t Assume One Policy Covers Two Homes<\/strong><\/h2>\n\n\n\n
4). Consider Umbrella Insurance for Extra Protection<\/strong><\/h2>\n\n\n\n
5). Let Someone You Trust Check In<\/strong><\/h2>\n\n\n\n
Let Us Help You Enjoy Your Summer<\/strong><\/h2>\n\n\n\n