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Louvre: Personal Insurance


Backpack: Personal Insurance

Ask ten random people to describe their perfect summer vacation, and you’ll get an array of answers, from lying out on a tropical beach, to hiking the Appalachian Trail, to seeing all the masterpieces in the Louvre.

However, everyone will agree that the point of vacation is to decompress from everyday stress and have fun. That’s where preparation comes in.

If you’re a worrier, you probably have a mental checklist to ease your mind before leaving on a summer trip. You make sure to unplug the major appliances, turn up your thermostat, take out the trash, turn on the alarm and lock all your windows and doors. Maybe you double check everything, then breathe a sigh of relief. You’re safe to go.

Or Are You?

The fact is, you aren’t truly safe unless you have good insurance coverage. An alarm system is a great deterrent, but not a complete guarantee against theft, and the damage caused by wind, fire or flood is likely to be more serious if you aren’t at home to deal with developing weather. Having good insurance policies to cover any eventuality will prevent unexpected losses from becoming devastating financial blows.

And what about protecting the personal property you take with you? You want to feel free to pack a few valuables, like good jewelry to wear out to dinner, or a laptop so you can check in with work and Photoshop your Instagram pictures before posting them.

If you’re the worrying type, knowing that you’re covered no matter what happens while you’re away will enable you let go and have a great time in the moment. If you aren’t a worrier, being covered will help you continue to enjoy your getaway even if your watch gets stolen halfway through.

Speaking of watches…

Five tips for looking after your jewelry while traveling:

  1. Photograph any valuables you plan to take with you. Not only will this help with insurance claims, but it will help jog your memory as you pack to go home.

  2. Keep any jewelry you aren’t wearing in a safe monitored by hotel management, not in the safe in your room.

  3. Pack your valuables into a carry-on bag that you’ll keep with you, instead of placing them into checked luggage.

  4. Don’t bring sentimental items such as family heirlooms on a trip. Insurance can provide you with the monetary value of grandma’s emerald earrings, but you will never be able to replace them.

  5. Consider purchasing a nondescript travel jewelry case. Some of these resemble zip-up calendars or planners that a thief is unlikely to notice.

Review Before you Book

Before you call your travel agent or even search “best vacation destinations” in Google, consider meeting with your insurance agent to review your policy, ascertain exactly what is covered, and determine whether you need additional coverage.

Then when your vacation finally arrives, you can set aside your worries and enjoy, knowing that everything is taken care of!

Donnan G. Oyler, President
Email: Donnan@rrinsurancegroup.com
Phone: 706-991-9832