When summer arrives, many people leave the day-to-day routine
behind and go on vacation in June.
Hopefully you're planning a trip sometime soon too!
But there are a few things you need to know before you hit
the road. Consider these special situations:
Rental Cars - If you choose to rent a car, make sure you
understand how your insurance works. A rental car company will want to sell you
special coverage to cover the car while you are driving it. The insurance will
cost you a certain amount each day. But here's the deal. Your current insurance
will typically also cover you at no additional cost.
However, if you have a claim filed on your current policy,
your rates could go up in the future. And rental car companies could file a
claim for very minor damage. Obviously it is a risk either way, but make sure
you know your options. And please contact your insurance agent before renting a
car to find out what is specifically covered on your policy.
Rental Boats - Similar to rental cars, you need to make
sure you're covered. Your auto policy won't cover a boat, but you may have
coverage available on your homeowner's policy (or if you have a boat policy).
Call your agent first and see what your options are BEFORE you show up at the
marina.
Hosting A Barbecue - It's always fun to throw a party. It's even
more fun when you aren't worried about your insurance! Your homeowner's and
renter's insurance covers you if someone is injured on your property due to
your negligence. That means that if they trip on a step, fall on the patio, or
cut their hand on a glass, you don't have to worry.
But, as always, you need to discuss this with your agent and
go over exactly what coverage you have. If you have a lot of assets, then you
might need additional liability coverage too.
Notice a pattern here? The general rule is that you need a
personal insurance agent who is looking out for your particular needs! There is
not a "one size fits all" approach when it comes to protecting your
family and your belongings.
Take 2 minutes to call
us at 973-948-3200 and schedule a short phone review of your coverage
today. And then make plans to enjoy your summer worry free!
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