Summertime is here and most of us are planning to take some time off.  It’s important to make sure that your home is well protected when you are away.  Here are some important tips to consider:

Install a home monitoring system which is a peace of mind investment.   Having a monitored alarm system will protect your home in case of a fire or burglary.

Ask a trusted neighbor or friend to check on your home daily while you’re away.  A large percentage of claims in Florida is attributed to some type of water damage.  If any water leak goes undiscovered, the damage can be very costly.

Contact your homeowner insurance agent to verify if your policy includes contents off-premises coverage.  It’s important to know that your belongings are covered while you’re traveling in case of stolen luggage or hotel thefts.  Also, remember that special items need additional coverage.  If you are traveling with expensive jewelry or electronics, those items should be itemized on your homeowner policy or insured separately on a standalone high-valuables policy.

Another important part of your policy to review before traveling is personal liability coverage. Verify that your homeowner policy includes liability coverage to protect you against lawsuits for injury and/or property damage caused to others. The liability coverage covers the cost to defend you and for any damages a court rules you must pay. 

For a carefree vacation and happy homecoming check all of the above prior to your trip.

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