Home for the Holidays: Essential Insurance Tips for Travelling

The holidays should be a time for joy, not stress (even though we know stress will always find us).

But, before you lock the front door and hit the road, take 10 minutes to ensure your home and belongings are protected. Here are a few proactive steps so you can enjoy the holidays, whether you’re staying local or venturing far.

Secure Your Home

An unattended home can be a target for theft or damage. If you’re headed out of town, take these steps to safeguard your property:

• Install Timers for Lights: Set lights to turn on and off automatically to give the impression that someone is home.

• Lock All Entry Points: Double-check all doors and windows, and don’t forget about garage and basement entrances.

• Enlist a Trusted Neighbour or Friend: Ask someone to collect your mail, clear snow, and keep an eye on your home while you’re gone.

• Invest in a Security System: If you don’t already have one, consider installing a monitored alarm system or smart cameras.

Review Your Insurance

Before leaving, it’s a good idea to review your current policy to make sure you’re adequately covered in case of an unexpected event.

• Theft and Vandalism Protection: Ensure your policy includes coverage for theft and vandalism while you’re away.

• Personal Belongings Coverage: If you’re bringing expensive gifts or electronics with you on your trip, check that your policy extends protection to items outside the home.

• Holiday-Specific Additions: If you’ve made big purchases, like jewelry or electronics, consider adding a rider for additional coverage during the holidays.

Consider Travel Insurance

Hallmark movies are great, but let’s leave the last-minute, life-altering travel plan changes for the big screen. Travel insurance can provide financial protection and peace of mind from snowstorms to airline delays, and more:

• Trip Cancellation or Interruption: Covers non-refundable costs if you need to cancel or cut short your trip due to unforeseen circumstances like illness or severe weather.

• Lost or Delayed Luggage: Offers reimbursement if your bags don’t arrive on time or are misplaced by the airline.

• Medical Emergencies: Provides coverage for unexpected medical expenses while you’re away, especially if you’re travelling internationally.

Take Inventory of Your Belongings

Whether you’re staying home or travelling, creating an inventory of your valuables is a smart move (and secretly, it makes us beyond happy when people are that organized.)

Not only does the risk of theft and vandalism increase when you’re away, but also the risk of vehicle collisions and home fires. 

• Photograph Your Items: Snap pictures of high-value items and save them in a secure location.

• Document Serial Numbers: Record the serial numbers for electronics or other expensive belongings.

• Store Receipts: Keep proof of purchase for gifts and personal valuables to make claims easier if needed.

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What to Do in Case of an Emergency

Despite your best efforts, emergencies can happen. Make sure you’re prepared with a plan:

• Emergency Contacts: Share your travel itinerary with a friend or family member and provide emergency contacts.

• Insurance Details Handy: Keep a digital or printed copy of your insurance policies and your insurer's contact information with you while travelling.

• Quick Claims Process: Familiarize yourself with the claims process for your insurance policies to save time in case you need to file one.

Need help ensuring your home, belongings, or travel plans are covered this holiday season? Contact us today to review your insurance policies and get personalized advice.

Safe travels and happy holidays from all of us at Home Auto Life!