It’s vacation time! Whether you’re flying off to the farther reaches of Timbuktu or arranging a quiet staycation somewhere nearer to home, there are some little insurance tricks that can save you stress AND money.
While most auto policies provide basic coverage for rental cars, Debbie Daniels of the Debra Daniels Insurance Agency in Lacey suggests adding a 30 day endorsement called ‘Unowned Automobile Coverage’ (UNOC) if you’re trip requires temporary wheels. This not only protects against accident damage but loss of use claims by the rental agency. Clients without this extra buffer often receive a sizeable bill for the monies lost while the car was being repaired.
For those of us who just can’t unplug—or rough it!—while on vacation, make sure your valuables (computers, jewelry, high end digital cameras) have been added to your homeowners coverage via a “Personal Articles Policy.” This protects you in case of theft from your car, campsite, or hotel room, anywhere in the world.
And while you’re chatting with your agent, Daniels suggests making sure your homeowners policy personal liability limits are where they should be. Daniels tells of a family whose homeowners insurance stepped up when one member accidentally collided with another snowboarder on the mountain. The second person was injured enough to require airlifting to the hospital and this bill would have fallen to the family without sufficient insurance coverage.
This type of unique, specialized knowledge only comes from experience and a deep understanding of their product. Debbie Daniels and her team know what questions to ask, and how to provide you with the best product possible.
Visit their Lacey offices at 8765 Tallon Lane NE in Lacey, 2 blocks pass Costco on Martin Way; or by calling 360-493-8284 any time. Claims, quotes, and questions can also be submitted online for those already en route to Timbuktu.
