Laney, who has Richmond, VA renters insurance, brings us today’s question. She wants to know,
Does renters insurance cover me on vacation? What if my laptop is stolen in the airport? What if something is stolen from my home? Does the policy travel with me?
Great questions Laney, and the renters insurance experts have the answers!
Does Renters Insurance Cover Me On Vacation?
Many of our customers wonder which parts of their coverage travels with them when they go on vacation. If something is stolen from a hotel room is it covered? What if you injure someone accidentally while you’re not at home? Learn more…
Does Renters Insurance Liability Cover Me On Vacation?
Yes! Renters insurance liability covers you on vacation because the coverage is for you, not the insured location. Your apartment cannot incur liability or be negligent on its own because that requires human intervention. For example, if you install a bank vault in your fifth floor walk up to protect your jewelry and it falls through the floor, neither the safe nor the floor are liable. You would be at fault here because you knew, or should have known, that it’s not reasonable to expect the fifth floor of a residential building to support a five ton safe. You put the safe there, so liability falls on the individual, not the object. Because liability protects you, it protects you wherever you happen to be. Your liability will travel with you and protect you no matter the location.
Does Renters Insurance Cover Personal Property I Take On Vacation?
Absolutely! Renters insurance covers the personal property that you take on vacation. Generally, this applies to anywhere in the world, though it would be helpful to check your policy for exact phrasing. Whether your vacation is a short drive, or half a world away, your renters insurance personal property coverage will often be able to respond to a loss that occurs while on vacation.
Does Renters Insurance Cover My Personal Property At Home While I’m On Vacation?
What if you’re vacationing in Sydney and at the same time, someone is burglarizing your home in Birmingham? Renters insurance has got you covered there as well. As long as the home isn’t vacant (generally defined as 30-60 days where neither you nor a guest has stayed there overnight), the coverage remains in force for your personal property. Also, there’s a separate post on whether renters insurance covers your personal property when you’re not at home.
Before you go on vacation, make sure you’re protected at home and while you travel by calling Effective Coverage at (800)892-4308, the renters insurance experts!