Taking Insurance on Vacation- Homeowners & Auto Policies
I am taking my family on vacation this summer. We may travel to a foreign country. Will I need any special insurance to cover my personal property and liability?
Vacations -whether taken in the summer or the winter -can pose unusual risks you don’t encounter every day, especially when you travel out of the country.
If your fishing skills are a little rusty and you injure a fellow fisherman, or if one of the kids starts a fire in a hotel room, will your homeowners insurance respond and pay the claim or defend a lawsuit? What if you participate in different recreational activities while on vacation, like golfing, boating, jet skiing, biking, snowmobiling, or hang-gliding? Will you be renting a golf cart or snowmobile, or maybe a moped, 3-wheeler, and 4-wheeler? All of these activities can be fun, but they can also be dangerous. Will one of your policies respond if you hurt someone or damage property belonging to others while participating in these activities?
One of your current policies may provide coverage for some of these activities, but unfortunately, there is no policy that will provide coverage for all of these activities.