Posted on by Sam Burke

When you’re planning a getaway, your to-do list is probably full of fun things — booking hotels, planning outfits, and creating an epic travel playlist. But one thing that often gets overlooked is vacation insurance prep.

At Combined Insurance Service LLC, we want you to enjoy a stress-free trip without worrying about what could go wrong back home. Here’s how to make sure your insurance keeps you covered while you’re away — and how to avoid common gaps that can cost you big.

🏡 Your Home Still Needs Protection

Even if your house is empty, life keeps happening. From power surges to break-ins, here’s how to reduce risk:

✔️ Double-Check Your Homeowners or Renters Policy

Make sure you’re covered for:

  • Theft or vandalism

  • Water damage from leaks or storms

  • Power outages affecting fridges, freezers, or electronics

  • Fire or smoke damage — especially if you’re using timers on lights or appliances

✔️ Let a Trusted Neighbor Know You’re Away

Having someone check on your home can help catch problems early — and some insurers may even require it if you’re gone for more than a few days.

✔️ Prep Your Home Before You Leave

  • Unplug small appliances and electronics

  • Set your thermostat to save energy but still protect pipes or AC units

  • Turn off water if possible — especially for long trips

  • Lock all doors and windows, including garage and basement access

🎒 Traveling with Valuables? Protect Them!

If you’re bringing jewelry, cameras, laptops, or designer items, know this: standard homeowners or renters policies may limit what’s covered outside your home.

📋 Consider Scheduled Personal Property Coverage

This is an affordable add-on that specifically protects high-value items — often with no deductible — even while you’re traveling.

🧳 Rental Cars, Lost Luggage & Travel Headaches

Vacation insurance isn’t just about your house — it’s also about what happens while you’re on the go.

🚗 Auto Insurance and Rental Cars

If you’re renting a vehicle, check with us first. Your current auto policy might extend coverage — but not always for international travel or high-end rental models.

You may also want to add:

  • Rental reimbursement coverage

  • Roadside assistance

🧳 Travel Insurance Options

Travel insurance (which we can help you explore) can include:

  • Trip cancellation/interruption

  • Lost luggage

  • Medical coverage if you’re traveling out of the country

🕵️‍♀️ Common Insurance Gaps to Watch Out For

Before you zip up your suitcase, ask yourself:

  • Did I install smoke or leak detectors that notify me remotely?

  • Do I have enough liability coverage if someone gets hurt on my property while I’m gone?

  • Have I reviewed any vacation rental liability if I’m hosting guests on Airbnb or VRBO?

These questions can help avoid stress — and surprise bills — after your trip.

☀️ Leave Worry at the Door

Going on vacation should be exciting, not stressful. The best way to protect what you’re leaving behind (and what you’re taking with you) is to have a quick insurance check-in with your local agent.

At Combined Insurance Service LLC, we’re happy to review your coverage, answer your questions, and help you travel with confidence.

Ready to Review Your Coverage Before You Go?
Call us at 816-847-1911 or message us on Facebook or Instagram @CombinedInsuranceServiceLLC.
We’re here to help you enjoy every moment — with peace of mind.