(Photo Credit: Jared Bartlett)
Between planning itineraries, booking hotels & flights, packing, and making reservations, vacations can be quite stressful, even if they’re meant to reduce stress. On top of the prospect of flight delays, bad weather, and rowdy kids, you shouldn’t have to worry about your home and your property. Careful planning can help you and your family avoid a costly loss at home and abroad.
- Clear out your wallet: carry only what is absolutely essential. Aside from the inconvenience of a lost wallet, a stolen wallet can mean big trouble if your cards and IDs get into the wrong hands. Bring only one credit card with fraud protection and leave your debit cards, and any unnecessary contents at home or in the hotel safe. Report your trip with your credit card company to avoid an accidental freeze on the account. Also, bring only enough cash to cover the incidentals for the day – not the entire trip, and leave the rest in the hotel safe.
- Make copies of your passport/ID: produce color photocopies of any documents you plan on having with you on the trip. Store a copy in the hotel safe, and keep one at home in case you lose the original. You can also register for the Smart Traveler Enrollment Program (STEP) which allows you to enroll your trip with the nearest US Embassy or Consulate if you plan on traveling abroad. This free service will assist you if you in an emergency, such as losing your passport.
- Avoid social media: don’t over share your trip experience until you get home. While it may be tempting to publish your hike up the Great Wall or your pint of stout in Dublin, social media posts inform could-be criminals that you’re not home. These posts include status updates, check-ins, Snap Chat stories, pictures, and anything that is posted with your current location.
- Make sure your rental is insured: If you are planning on renting a car on your trip, check if you’re covered. Typically, your personal auto policy will extend both liability and physical damage coverage while using a rental car within the US, its territories and Canada. Double check with your agent or insurance company to make sure. If you are traveling to anywhere else or you don’t have a personal auto policy, you’ll need supplemental insurance (provided as an extra cost by the rental company). As a general rule when in doubt, get the insurance offered at the rental company; peace of mind goes a long way when traveling. In addition, make sure you familiarize yourself with the local rules of the road and abide by all speed limits. Depending on the country you’re visiting, you may also need to apply for an international license.
- Secure your home: make sure your home systems remain working while you’re away. Arm your security system before you head out and set the lights on timers to make it appear as though someone is home. If it is cold outside, make sure the thermostat is set to at least 65 degrees and all pipes are adequately insulated. Lock all doors, windows, and gates, and keep valuables stored inside the garage or the house, but away from exterior windows (so as to not attract burglars). If you’re going away for an extended period of time, reach out to the post office and your newspaper to suspend delivery until you get back. Piles of newspapers indicate a homeowner’s absence while mail and packages are prone to theft, which can also increase the risk of identity theft.
Whether you’re going on a weekend road trip or an international excursion, a bit of preparation and careful planning will help you have a more enjoyable trip and avoid a lot of potential headache.
(Photo Credit: Fotolia)
Once all of the snow melts and the temperatures begin to rise, it’s always a good idea to conduct a bit of spring cleaning. And while you and your family are dusting around the house and donating old clothes, it is also a good idea to review your current insurance policies and make sure their coverages are still adequate. If you have recently made improvements to your home, bought an expensive piece of jewelry, or plan on going somewhere for vacation this summer, now is a good time to talk to your agent to ensure you’re fully covered. The Insurance Information Institute has a quick spring cleaning insurance coverage checklist to help you decide if your policies need a bit of spring cleaning this year. You can view the list here.