Holiday Travel Safety & Insurance Tips
The holiday season is one of the busiest travel times of the year. Whether you’re driving to visit family or flying to a warmer getaway, taking a few extra precautions can help keep you and your belongings safe.
Here’s how to prepare, plus what to know about your insurance coverage before you hit the road.
1. Review Your Auto Insurance Before Traveling
Before taking long drives, check your:
- Liability limits
- Collision and comprehensive coverage
- Deductibles
- Roadside assistance options
- Rental car coverage
If you’re renting a car, you may already have coverage under your existing auto policy—but confirm with your agent before declining the rental counter insurance.
2. Prepare Your Vehicle for Long-Distance Travel
Before a long winter drive, inspect:
- Tire pressure
- Battery health
- Brake performance
- Antifreeze levels
- Wipers and lights
Unexpected breakdowns are common in cold weather, so make sure you have an emergency kit in the trunk.
3. Protect Personal Belongings While Traveling
When staying in hotels or traveling with gifts, laptops, and luggage:
- Keep valuables out of sight
- Avoid leaving items in vehicles overnight
- Use hotel safes when available
- Document serial numbers for electronics
Most homeowners and renters policies provide limited off-premises coverage for personal belongings, which can help if anything is stolen during your trip.
4. Consider Travel Insurance for Flights or International Trips
A travel policy can help with:
- Trip cancellations
- Lost luggage
- Medical emergencies abroad
- Travel delays
It’s a smart option for anyone taking a costly or international holiday vacation.
Final Thoughts
With a bit of preparation and the right insurance protections, you can enjoy a smooth and stress-free holiday trip.