airplane and luggage, how your home insurance protects you while on vacation

Home Insurance Coverages for Vacationers

How your home policy protects you while on vacation.

When you think about homeowners insurance in Plano, Texas, you probably think about it in terms of dwelling protection.  However, it’s important to understand that your home policy offers important coverages even when you are on the move.  For instance, your home insurance will even offer protection while you are away on vacation.  Here are some of the home coverages that vacationers can enjoy.

  • Personal Liability

While your personal liability insurance offers coverage for the injuries and accidents that take place on your property, it also covers the accidental injuries or damages that you might cause away from home.  For instance, imagine that you and your family are renting a beach house for the summer.  If you accidentally caused damage to the home, then your personal liability insurance would cover the cost of repairs and compensating the property owner.

  • Medical Expenses

The medical expenses portion of your home insurance will cover the costs associated with injuries that take place on your property.  Specifically, this insurance is designed to cover the immediate medical treatment of injured individuals before your personal liability coverage kicks in.  Just like your personal liability coverage, your medical expenses coverage will follow you as you travel, ensuring that you can cover the third-party injuries that you may accidentally cause.

  • Personal Property Damage

Your home insurance policy includes personal property coverage, which will cover the cost of repairing or replacing your damaged or stolen items.  Fortunately, this coverage travels with you, ensuring that the items you take on your vacation are protected against theft and damage events.

This is how your homeowners insurance in Plano, Texas, will protect you even when you are away on vacation.  Do you have more questions about your home insurance coverage?  If so, then contact the experts at Tri-Star Insurance/HUB International.  We are ready to assist you with all your coverage needs today.