Spring has sprung here in Virginia, and with warmer weather and sunny days ahead, many families are packing their bags and hitting the roads (or the skies!) for some much needed R&R. But before you zip up that suitcase with all the essentials, have you considered whether your belongings are covered for the trip ahead?

Let’s explore how standard insurance policies safeguard your belongings and learn what’s covered while you’re away. Enjoy your spring break without worrying about the items you’ve brought with you—or the ones you’ve left at home.

What’s Covered at Home and Away

• Your Items Back at Home: While you’re out exploring new places, Rockingham Insurance ensures that the possessions you’ve left in your dwelling are still protected under your homeowners or renters policy, just as if you were there.
• Personal Belongings Coverage: Similarly, the belongings you’ve brought with you are also typically covered by your existing policies. This includes things like items stolen from your hotel room or those damaged during travel. However, there are limits and conditions that apply, especially for higher value items.
• Auto Insurance on the Road: Planning a road trip? Your auto insurance also includes coverage for both theft or damage to your vehicle while you’re away, but make sure to review your policy before you leave to understand the extent of coverage provided for personal items inside your vehicle.
• Valuables and Special Coverage: For high-value items like cameras, laptops, or expensive sports equipment, consider checking if your policy limits are sufficient to cover these items. High-value items may require additional coverage to fully protect against potential losses while traveling. You can reach out to your trusted Rockingham Insurance agent to clarify the details of your specific policy ahead of your trip.
• Handling Airline Travel: Worried about your luggage while flying? Compensation for lost or damaged baggage from airlines can often be limited, and might not cover the full value of your items. Although your homeowners or renters insurance extends to personal possessions during travels, not all scenarios with airline travel are covered. It’s wise to do your homework before you fly and consider leaving irreplaceable items at home.

Embrace your spring getaway with peace of mind. For detailed information on how your policy protects your belongings while you travel, or to adjust your coverage for optimal protection, contact your local Rockingham Insurance agent today. Bon voyage!