Top 5 Insurance Checklist Items for
Holiday Travelers

The holiday season often means packing your bags for a well-deserved trip. Whether you're visiting family across the state or flying to an exotic destination, preparation is key. While you're making lists for packing and gift-buying, don't forget one of the most important checklists: your insurance coverage. Making sure you're properly insured before you leave can protect you from unexpected events and give you peace of mind.

We've put together a list of the top five insurance items every holiday traveler should review. Taking a few moments to go over these points can save you from major headaches and financial stress down the road.

1. Consider Auto Insurance for Non-Owners – If you plan to rent a vehicle or borrow someone else's car while traveling, non-owner auto insurance can help protect you. These policies offer liability coverage even if you don’t own a car, filling gaps left by rental agreements and providing extra peace of mind during road trips.

2. Get Renter’s Insurance for Your Belongings – Whether you’re staying in a rented apartment, vacation home, or even a hotel, renter’s insurance offers protection for your personal items from theft, loss, or damage. It also gives you some liability coverage in case someone is injured where you’re staying. Be sure to review or secure a policy before your trip.

3. Review Travel Insurance Benefits – Travel insurance can cover trip cancellations, interruptions, lost baggage, and more. Double-check what your policy includes and look for any exclusions that might affect your holiday plans. Understanding your benefits will save you stress if anything changes unexpectedly.

4. Protect Yourself with Umbrella Coverage – Umbrella insurance provides extra liability coverage beyond the limits of your auto or renter’s policies, which is especially useful while traveling—unexpected incidents do happen. This extra layer of protection can help shield your assets from major claims or lawsuits.

5. Insure High-Value Items – If you’re bringing valuable electronics, jewelry, or gear, check your policies for coverage limits on items taken outside your home. You may want to add a rider for specific valuables, ensuring they’re protected wherever your travels take you.

Travel with Confidence

Planning for the unexpected is the best way to ensure a relaxing and enjoyable holiday trip. By reviewing your insurance, you can travel with confidence, knowing you're protected.



At DMAS Insurance, we have been helping families and individuals find the right coverage for over 75 years. Whether you need to review your home and auto policies or explore options for protecting your valuables, our professional agents are here to help. Contact us today to discuss your insurance needs and make sure you’re ready for your next adventure.