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Top Spring Break Insurance Tips

By February 27, 2018January 11th, 2023No Comments

For many students and families, spring break is a great time to get a fun holiday in. For others, it’s a good opportunity to catch up on some sleep. If you plan on going on a fun spring break adventure this year, these are some tips to help keep you and your belongings safe!


Homeowners Insurance

If you plan on taking a trip this spring break, make sure your homeowners insurance is up to date. Because you are away for an extended period of time, it’s a prime opportunity for theft. You should also consider getting an alarm system or and other security devices to help keep your home safe. Even a simple motion sensor light can help prevent a home invasion. It’s also a good idea to keep a home inventory, just in case something does happen! Here are some additional tips:

  • Make sure all windows and doors are locked
  • Have the post office hold your mail until you return
  • Don’t turn off the heat! If it suddenly gets cold, your pipes could freeze
  • Have a trusted family member check up on your house while you are gone.


Renters Insurance

Similar to home insurance, renters insurance helps protect your belongings if you are renting. While your landlord will have insurance that protects the building, their coverage will not protect your valuables. Think about getting a renters insurance policy to help protect your things if you plan on going on vacation. Especially if you have roommates, it could be a huge financial help in the event of damaged or stolen property.


Rental Car Insurance

While this is a controversial topic, getting a rental car can be a big liability. If you want an extra safety net, then consider getting the insurance from the rental car company. If you book through your credit card, often you will get some coverage. Before you head out on vacation, call your insurance agent to discuss how your insurance policy will work with rental cars. Learn more about rental car insurance here. At the end of the day, if you are unsure what to do, it’s usually best to be safe than sorry.


Auto Insurance

If you are taking a road trip this spring break, double check your auto insurance. This is a popular option for those who want to explore. But, driving is dangerous. Call your insurance agent to check the limits of your coverage. You don’t want an accident to ruin your vacation. Always be vigilant while driving. And, do not drive distracted. And, if you plan on leaving your car at home while you go travel, there are some things to think about as well. Park your car somewhere safe and secure. Make sure it is locked before you leave. It’s also a good idea to take photos of your car before your leave as well. This way, if something happens to the car while you are gone, you will have proof of the damage.


Flood Insurance

With all the melting snow, it’s a good idea to get some coverage against flooding. Your regular homeowners insurance will not cover damage caused by flooding, which is why flood insurance is a good idea. Spring is notorious for rain, and a lot of rain may seep into your home while you are away. Water can cause thousands of dollars in damage. Call your insurance agent to talk about flood insurance. Make sure you don’t wait until it’s too late! Flood insurance takes 30 days before it becomes active!


Spring break should be a fun and exciting time for you and the family. Prevent incidents before they happen. By taking measures to help protect you, your home, and your car, it can help give that peace of mind while you are away. Even simple measures like locking your door can safe you from experiencing theft. And if you ever have any questions, call your insurance agent and ask. They know you and your life best, and can help find the coverage that suits your needs.


Call an Encharter agent at 888.754.8299!