Does my home insurance coverage protect me from claims when I am on vacation?
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Asked July 27, 2010
Your home insurance protects you against claims related to the home or property as long as the policy is kept up to date. You are not required to be in the home when incident occurs. As long as the claim is covered under your policy, it will be paid whether or not you were away on vacation. For example, if your housekeeper falls while you are away, your home insurance liability would cover the costs of the injury as long as they were less than the maximum liability coverage you have on the home.
On the other hand, your home insurance will not extend to personal property that you take along on vacation. If you are traveling with valuable items, or just want to be safe, consider taking out a temporary travel insurance policy for you, your family, and your personal property. Home insurance will cover your own injuries if you fall at home, but you will need health or travel insurance in order to be protected while abroad.
If you have an umbrella liability policy, it may extend to protect you when you travel. This is not home insurance, but a supplemental liability insurance plan that covers many types of liability including the home, your vehicles, and other property liability claims that exceed the maximum payable by your specific home, car, or travel insurance policy.
Answered July 27, 2010 by Anonymous