Ready to head out of town on vacation? Temperatures are high, school is out and everyone is eager for that trip. But there are a few things to keep in mind before you leave town in order to keep your possessions protected.
Don't Advertise That You'll Be Out Of Town
Think about the things that happen around your home on a daily basis so that your home doesn't look empty when you leave.
First, contact the Post Office (and the newspaper) and put your services on hold. A full mailbox and driveway full of newspapers are a sign to thieves that you're an easy target!
Can you put a few lights on a timer so that your home isn't completely dark all night? Even leaving on a few lamps will help. Motion sensitive lights on your porch and driveway are a great idea too.
Do you have a neighbor you trust? Let them know of your plans, share your contact number and consider leaving them a share key just in case. What if a severe thunderstorm hits while you're gone? It could knock out power or cause a tree in your yard to fall. Your neighbor can make sure that your freezer is back on when the power restores or verify that there aren't any leaks in the roof from the storm damage. This can help prevent some bad surprises when you get home.
And as great as it is to post your vacation photos and selfies while on vacation, this also lets people know that you are out of town. Unless you have a house sitter, you should consider refraining from posting while you're away and posting trip pics when you get home. Most of our friends on Facebook would never harm us, but other people may have malicious intents. Be safe!
When You're On The Road
The biggest tip we share with our clients is: Avoid leaving valuables in your car!
Many people believe that their belongings are covered by their auto insurance but that is not usually the case. The coverage for your luggage, computer and other belongings would be on your homeowner's insurance policy and it's subject to your deductible.
Also, most policies offer coverage for road side assistance and towing. This can be invaluable when you are stranded (or accidentally lock your keys in the car in an unfamiliar town). This coverage is inexpensive and quick to add to your policy. So, make sure that you know what coverage you have before pulling out of the driveway!
Have questions about your insurance before your next trip? Give us a call anytime to discuss your policy or to get a quick, free quote! 970-314-9188
SPI Reflections Blog
Our blog is about educating our customers and the public about important insurance information that we feel is meaningful.