Dave Haman

Mar 07 2016

If You’re Traveling, Make Sure You’re Properly Insured


If you're traveling, make sure you're properly insured.

Whether it’s taking a cruise, hopping on a flight to somewhere exotic, or taking a spring break vacation, it’s important to consider the insurance coverage you might need on your trip. For example:

  • Do you plan to rent a recreational land vehicle, such as an ATV or golf cart? Most home insurance policies will cover your liability resulting from your use of rented recreational land vehicles anywhere in the world.
  • Do you plan to rent watercraft, such as a jet-ski? If it’s designed for use on water instead of land, liability coverage under most home insurance companies is not as generous. For example, most policies will cover your liability for rented watercraft only if its motor is 50 horsepower or less.
  • Do you plan to rent a car? While auto insurance policies typically extend liability insurance to the insured while driving a rented car, most cover accidents occurring only in a defined territory, which may be limited to the U.S., its territories and possessions, Puerto Rico, and Canada.
  • Do you plan to take anything with you? Most home insurance policies will cover damage to your personal items anywhere in the world provided they are stolen or damaged by a covered cause of loss as specified in the policy. Some common vacation-related losses, such as luggage lost by airlines or damaged by hotel staff, are not covered by home insurance.

You might want to discuss upgrading your insurance policies before you leave. Your insurance agent can provide clarification if you have questions about what your policies cover. If you have any questions, please contact the Hills Insurance Agency. We’d be happy to assist you!

Reprinted with permission, The Mines Press, Inc. Volume 43, Issue 6
Insurance products are not a deposit, not FDIC insured, not insured by any federal government agency, carry no bank guarantee, and may go down in value.
Dave Haman

About Dave Haman

Dave Haman is a Vice President, Insurance Agency Manager at Hills Bank’s Iowa City Gilbert Street location. He has been at Hills Bank since 1994 helping customers with their insurance needs. Dave can be reached at dave_haman@hillsbank.com.


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3 Responses to If You’re Traveling, Make Sure You’re Properly Insured

  1. Drew says:

    I think a lot of people forget about insurance when traveling but it’s more important than you think. You never know what might happen or what could go wrong so being prepared is the best option.

  2. I total agree with Drew. Thanks for Dave’s post and Drew’s comment

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