As the holiday season approaches, millions of travelers take to the road to visit family and friends. Whether you are driving across town or across the country, having the right insurance coverage can make all the difference if something unexpected happens. Before you pack the car or book your rental, take a moment to review your insurance policies and travel with peace of mind.
Review Your Auto Insurance Before You Go
Holiday travel often means more cars on the road, unpredictable weather, and a higher chance of accidents. Make sure your auto insurance policy includes proper liability, collision, and comprehensive coverage. These can protect you from costly repairs, medical expenses, and damage caused by theft or weather events.
If it has been a while since you reviewed your policy, now is the perfect time to check for potential coverage gaps or opportunities to update your limits. TWFG – Denise Davis Insurance can help you make sure you are protected wherever your travels take you.
Don’t Forget About Rental Vehicle Coverage
If you plan to rent a car for your holiday trip, you may already have coverage through your personal auto insurance policy. However, this can vary depending on your insurer and your policy details.
Before you sign a rental agreement, call your insurance agent to confirm whether your coverage extends to rental cars. If it does not, the rental company will likely offer additional protection options such as collision damage waivers or supplemental liability coverage. Having this extra layer of protection can save you from unexpected expenses, such as loss of use from the rental car company if an accident occurs during your trip.
Keep Your Home Protected While You’re Away
Your home still needs protection even when you are not there. A standard home or renter’s insurance policy can cover theft, vandalism, or certain types of damage that occur while you are traveling. Before leaving, take precautions. Set your lights on timers, pause mail delivery, turn your water off and have a trusted neighbor check in periodically.
If someone will be house-sitting or staying in your home, confirm that your liability coverage is current to protect you in case of an accident or injury on your property.
Consider Umbrella Coverage for Extra Protection
More activity during the holidays can mean more risk. A personal umbrella insurance policy provides additional liability coverage beyond your home and auto policies. This coverage can help protect your savings and assets in the event of a major accident or lawsuit.
Even a single incident, such as a serious car accident or a guest injury on your property, could exceed your standard policy limits. Umbrella insurance ensures you are prepared for those worst-case scenarios, offering valuable peace of mind.
Don’t Overlook Specialty Vehicle Coverage
If your holiday plans involve traveling in an RV or taking out a motorcycle for a winter getaway, make sure those vehicles are properly insured. RV insurance can cover your motor home, personal belongings, and even campsite liability. Motorcycle and ATV insurance can provide liability and physical damage protection so you can focus on enjoying the ride.
Travel Confidently This Holiday Season
The best gift you can give yourself this year is peace of mind on the road. Reviewing your insurance before you travel can help prevent headaches and costly surprises later on.
At TWFG – Denise Davis Insurance, we are dedicated to helping you stay protected wherever your holiday travels lead. Our experienced agents can review your policies, identify coverage gaps, and make sure you are fully insured for the season ahead.
Contact us today to review, renew, or get insured before your next trip, and travel with confidence knowing TWFG – Denise Davis Insurance has you covered.