Road Trippin’ This Summer? Here’s How to Make Sure You’re Fully Insured Before You Go

Nothing screams summer like a road trip. Whether you’re cruising the coast, camping in the pines, or hopping between National Parks, planning the adventure is only half the battle. The other half? Making sure your insurance is just as ready as your playlist.

1. Double-check your auto coverage
Your standard auto policy may not cover everything you expect during a long road trip. If you’re planning to cross state lines, tow a camper, or add a driver, now’s the time to check in with your insurance agent.

2. Renting a car? Know the gaps.
Renting a vehicle on your trip? Many people decline the rental company’s insurance, assuming their credit card or personal policy covers them. While that’s sometimes true, the fine print varies wildly. We recommend checking with your agent to make sure you’re not exposed to unexpected costs.

3. RVs and trailers need extra love
If you’re traveling in an RV, especially a rented one, you may need a specialty policy. Even pop-up campers and trailers might not be covered by your auto policy. Don’t find out the hard way—get clarity before you go.
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4. Think beyond the vehicle
Traveling with expensive gear? If you’re bringing photography equipment, e-bikes, or other valuables, you may want to schedule these items on your homeowners or renters policy. Coverage doesn’t always follow your stuff automatically.

Final Tip:
Print a copy of your insurance ID cards and keep your agent’s number handy in case of emergencies. Better to be over-prepared than underinsured.

Need help reviewing your policy before you go?
We’re here to help you hit the road worry-free. Safe travels!