Five things you may not think to insure before going on summer vacation

Five things you may not think to insure before going on summer vacation

By Mary Ann Swann, Account Manager

Your well-deserved summer vacation is almost here! You’re hammering out those final details, planning exciting activities for the family, and of course, searching for the best places to eat.

What you’re probably NOT thinking about is protecting the valuable items you’ll be taking on your trip. But the truth is, while vacation is a time to sit back and relax, we often tend to let our guard down, and that’s exactly why it’s important to make sure these valuable items are covered by insurance. In the instance that any of your expensive items get lost, damaged or stolen while you’re focused on being stress-free, you’ll be more than happy you got them insured.

Not sure which items would really need to be covered by insurance? Here are five you probably wouldn’t think to insure. 

#1 Jewelry. As far as jewelry goes, you should make sure your most valuable pieces are listed on your homeowners policy. Whether you find your jewelry missing after you’ve left it unattended by your beach chair or notice it slipped off after jumping into the lake, there’s always the chance that something could happen to that precious piece of jewelry while you’re on vacation.

#2 Cameras. We all love capturing those precious family moments, especially under a gorgeous sunset at the beach. But if you prefer to take along your high-end camera and equipment, like tripods or lenses, then I highly suggest listing these items on your homeowners insurance policy before you leave for your trip.

#3 Golf clubs. Most people wouldn’t even give it a second thought, but if you’re a golf lover then you know how expensive the hobby can be. If you plan on bringing your clubs along for some time on the golf course, it’s never a bad idea to have them covered in the chance they get lost or stolen.

#4 Fishing equipment. For many people, taking their own fishing equipment is a must when vacationing by the lake or ocean. If you’re the type that doesn’t mind spending a pretty penny on this type of gear, then I’d recommend getting coverage for your fishing poles and even lures that are of high value.

#5 Boat. Whether you’re going to the beach or the lake, if you have your own boat, it’s likely you’ll be taking it with you. While you probably already have it covered, a lot of people think they just need liability insurance, but the truth of the matter is, you may need full coverage or collision depending on its value and the type of area you’ll be using the boat. 

Even if you’re reading this when you’re less than a week away from going on vacation, it’s so easy to list many of these items on your homeowners insurance policy. Typically, you can send a picture of the item along with the serial number and value (or an appraisal depending on the value) to your insurance agent, and they can quickly schedule them on there. 

By simply taking a few minutes to get these items covered by insurance, you can continue on with your stress-free vacation without a care in the world, even if something gets lost or stolen.

 

Learn more about insurance before summer vacation from Byars|Wright in Birmingham, AL 

Byars|Wright, Inc.. is a locally owned and operated independent insurance agency with four offices in the greater Birmingham area that has developed into a major provider of commercial and personal insurance. Since 1946, the agency has made acquisitions to expand its scope of business and delivers a wide range of insurance products with quality coverage at competitive prices. Byars|Wright has been designated a Best Practices Agency by the Independent Insurance Agents and Brokers of America and was also named “Best Companies to Work For in Alabama” by Business Alabama in 2016, 2017, and 2018. Byars|Wright, Where Relationships Matter. www.byarswright.com.