The right insurance can make your spring break better when something goes wrong. Here's how to determine if you have the coverage for your travel plans:
Stolen PossessionsIf you find your possessions have been stolen– from your hotel room, car or other place–homeowners and renters insurance can reimburse you. They typically cover “off-premises” theft, just like they cover theft from your house. Make sure to get a police report to support your insurance claim.
Orbann also notes that there are limits on theft coverage for items such as things like jewelry, laptops and other high-value items. If an airline has lost your luggage, make a claim with them first. By law an airline’s legal liability is up to $3,500 for a lost, delayed or damaged bag on a domestic flight. For international flights, their liability is usually about $1,780. Airlines can pay more if they wish.If you’re motoring below the border to do some sunning or shopping, check your insurance policy first. It may have limited or no coverage for driving in Mexico.
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