Does my homeowners insurance protect me from claims while I’m away on vacation?
UPDATED: May 1, 2012
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Asked May 1, 2012
Owning a home does not mean you have to be tied to your property. When you are away, the home is still protected, and many policies extend coverage to your possessions when you are away from home. The final decision will depend on how your policy is worded, but the definition of personal property is not limited to items in your home.
There are several basic types of home insurance, but liability coverages are part of all standard home insurance policies. Whether you rent an apartment or own the entire building, your home insurance will protect you against bodily injury and damage claims even when you are not present at the time.
Home insurance does not cover injuries or damages to your immediate family or property, nor does it apply to liability claims filed against in some other location. For your family's medical needs, health insurance is the coverage, and a multi-purpose liability policy, such as an umbrella policy, will provide you with liability coverage no matter where you go. Another advantage of an umbrella policy is that it extends your liability coverage over different insurance policies to give you more coverage at a lower cost.
If a tree in your yard falls on a neighbor's house or car while you are on vacation, your policy will still cover the claim. As long as the claim is able to show that is something which was covered on the policy was responsible for the damages or injuries, your home policy will pay for them. An adjuster will appraise the damages and verify the damage reports whether you are on hand or in another country.
Answered May 1, 2012 by Anonymous