North Carolina Personal & Business Insurance
Durfey-Hoover-Bowden Insurance Protecting Your Way of Life Since 1937

Does Your Insurance Follow You On Vacation?

| March 2014

This article discussed coverage provided by the NC homeowners policy form HO0003 5/11.

Legal Icon

Does my personal liability insurance still cover me?

Your personal liability coverage on your homeowners policy follows you around the world, but there are some limitations on the policy that often come up on vacation.

Fire Icon

Hotel Room Damage*

The policy only covers Fire Damage to rented property resulting from Fire, Smoke and Explosion. Partying like a rock star is not covered.

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Renting a Boat*

Your homeowners policy doesn't cover physical damage to a rented watercraft and excludes liability arising out of the following rented watercraft:

  • Sailboat over 26 Ft
  • Inboard/Outdrive Motor above 50hp
    (Most Jetskis have more than 50hp)

Luggage Icon

What if my luggage is stolen?

Your personal property is covered around the world with you on your vacation just as it is in your home.

Car Icon

Does my auto insurance cover me outside the US?*

Your auto insurance only covers you in the US, Puerto Rico and Canada.

Rental Car Icon

Do I need to buy insurance on the rental car?

We discussed this in in another post. You can get our thoughts here

Medical Icon

Does Health Insurance follow me?

Not all health insurance plans work outside the US. Check with your health insurance provider.

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Travel Insurance

We do not sell Travel Insurance, but are often asked what it does. The policies vary, but often provide protection for:

  • Trip Cancellation due to causes such as illness, weather or jury duty
  • Medical bills while traveling, including the cost to evacuate you back home.

*Coverage for these exposures may be broadened by an umbrella policy. Umbrella policies are not standard. Read your policy to determine if broader coverage applies.

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