Snowbird Protection Checklist
Travel, home and auto insurance should never be considered as “get it and forget it” products. This is especially true for snowbirds. Along with changing protection needs, there could be limitations in place, or conditions that must be adhered to for coverage to be valid.
Take time to confirm your insurance requirements, the terms and conditions of your policies, and your responsibilities. It can be a costly mistake to assume you’re covered. If you have questions, check with your insurance provider before you leave for vacation!
- Contact your insurance company. Let them know how long you’ll be in the U.S., and where you’ll be staying.
- Consider increasing your liability limit on your auto insurance. Claims in the U.S can be expensive due to exchange rates, higher damage awards and increased lawsuits.
- Depending on how much time you spend living in your RV in the United States, it may be considered a home as well as a vehicle, and therefore in need of special coverage. Check with your insurance provider for direction.
- A vehicle registered and insured in Canada, but left in the U.S. on a permanent basis may require separate coverage from an American insurance company. It’s best to check with your insurance provider.
- You’re renting a car, and you decline the rental company’s collision damage waiver because your credit card provides insurance. But are you covered for “Loss of Use”? If not, and it takes four weeks to repair a damaged car, you could be forced to pay a four week rental, while the car was not in use.
- A rental car safety tip from Sergeant Bob: Make sure the rental car has no identifiable markings. To a potential thief, nothing says “tourist” like a rental company sticker on the back of your car!