Keep Your Belongings Safe With Renters Insurance This Holiday Season When Traveling Away From Home 

The holidays bring travel plans, family visits and a home left empty for days or even weeks at a time. For renters, that combination raises a straightforward question: Does renters insurance cover your belongings while you’re away? In most cases, yes, but the details matter.

What Renters Insurance Covers on the Road

Renters insurance is built around personal property coverage, liability coverage and additional living expenses. When you travel, the personal property portion is the one most relevant to your belongings. Coverage generally applies to theft, fire and certain types of damage, even when you’re away from home. However, many policies cap off-premises losses at a percentage of your personal property limit.

Common scenarios where coverage may apply include:

• Theft from a hotel room or vacation rental
• Luggage stolen from your vehicle
• Personal electronics stolen or damaged by a covered cause during a trip
• Holiday gifts stolen while traveling

Steps to Take This Season

Take photos or videos of valuables before you travel. Keep receipts for new purchases. If you’re leaving your rental unoccupied for an extended period, notify your agent, as some policies include provisions tied to vacancy.

Contact Us Today

Renters insurance is a practical layer of coverage for your belongings year-round, and the holidays are a good time to make sure your coverage reflects what you own.

Contact S&T Duran Insurance Agency to review your renters insurance policy and make sure your coverage is ready before your next trip. Our team serves Austin, TX.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.