Spring Break Ready? Your Essential Home, Renters, and Travel Insurance Checklist

Heading out for spring break?

Spring break is all about relaxation, adventure, and a change of scenery. Whether you are heading to the beach, visiting family, or taking a well-earned getaway, a little preparation before you leave can go a long way. This checklist will help you protect what matters most, both at home and on the road, so you can focus on making memories.

Here's a simple checklist to help protect your home, your belongings, and your travel plans.

Before You Leave: Protect Your Home

1

Lock all doors, windows, and garage entrances

2

Adjust your thermostat to an energy-efficient setting

3

Unplug electronics and small appliances to reduce fire risk

4

Pause mail and package deliveries or ask a neighbor to collect them

5

Take out trash and clean out the fridge to avoid odors or pests

6

Ask a trusted neighbor or family member to check on your home

7

Consider smart home tools like security cameras or water leak sensors

Renters: Do Not Overlook Your Coverage

If you rent, it is important to remember that your landlord’s insurance only covers the building, not your personal belongings. If there's a catastrophic event, such as a fire or burglary, and you do not have renters' insurance, you will pay out of pocket to replace your belongings. If this is new information, don't feel bad: 57% of renters either don't know who's responsible for theft or property damage, or think it falls to the landlord.

If you have renters' insurance, Spring break is a great time to review your policy and make sure your coverage limits still reflect the value of your belongings.

If you do not have renter's insurance, now's a great time to speak with an advisor and get a quote.

Don't Forget About Travel Insurance

Spring break travel comes with its own set of risks, from flight delays and lost luggage to unexpected illness or trip cancellations. With recent TSA shortages and severe storms affecting air travel, travel insurance can help cover costs you did not plan for and protect your investment in your trip.

Before you finalize your plans, speak with your insurance advisor about:

Trip cancellation or interruption coverage. This is the most commonly purchased travel insurance, representing approximately 94.7% of total consumer spend in 2024.
Emergency medical evacuation. This coverage is used to cover necessary transportation after an event lands you in the hospital.
Lost, stolen, or delayed baggage protection

Review Your Coverage Before You Go

Before you hit the road or board your flight, take a few minutes to review your policies. A quick conversation with your insurance advisor can help ensure everything is aligned with your spring break plans. Ask about:

Home and renters insurance coverage limits
Any recent purchases that should be added to your policy
Travel insurance options that fit your destination and activities

Final Thoughts

Spring break should be about fun and relaxation, not stress or what-ifs. With a little planning and the right insurance coverage in place, you can travel with confidence knowing your home, belongings, and travel plans are protected.

Speak with an advisor today!

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