How Your Insurance Protects You on Vacation

When planning a getaway, you’re looking to relax and enjoy a break from the stress of everyday life. The last thing you want to worry about is what happens if things go wrong during your trip. Thankfully, you can count on your home and auto insurance to protect you even when you’re away. Here are a few ways your home and auto insurance protect you when you’re traveling:

1.  Road service coverage 

While hitting the open road is a great adventure, sometimes breakdowns happen. Your auto insurance may provide you with emergency road service coverage, which can reimburse you for towing expenses, delivery of fuel, repair parts and labor charges. 

Avoid breakdowns by reading our tips for making sure your car is road trip ready. 

2. Coverage for others to drive your car

Sharing driving duty with others on a road trip? Rest assured, if you give other licensed drivers permission to use your car, they are usually covered. This includes teens with learner’s permits! 

3. Rental vehicle coverage

When you’re offered insurance coverage through your rental company, you likely  won’t need it. Generally, your auto policy should apply to the rental vehicle as long as you are driving within the United States (including your deductible). Always read the contract carefully and ask the rental agent to explain anything if you’re unsure. 

Additionally, you can add vehicle rental and trip interruption coverage to your auto insurance to help if you have an accident away from home. With this protection, you may be reimbursed for a rental car if you have a covered claim, and if you have an accident more than 100 miles from home, you could also apply this coverage to travel expenses like transportation, lodging and meals. Expense limits differ by state, so talk to your insurance representative about the types of coverages where you live. 

4. Coverage for belongings and damage at a hotel or home rental 

If you are the victim of theft or if you accidentally cause damage while you’re renting a vacation home or staying in a hotel, you have coverage for your personal property and liability coverage for situations you are legally liable for.  

Questions? Reach out to your insurance representative to discuss your coverages.

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COUNTRY Financial® is the marketing name for the COUNTRY Financial family of affiliated companies (collectively, COUNTRY), which include COUNTRY Life Insurance Company®, COUNTRY Mutual Insurance Company®, and their respective subsidiaries, located in Bloomington, Illinois.