Shapiro Administration Encourages Travelers, Homeowners to Review Insurance Coverage during Summer Months | Insurance Department | Commonwealth of Pennsylvania

Harrisburg, PA - Today, the Pennsylvania Insurance Department (PID) is encouraging Pennsylvanians to review their insurance coverage and take the necessary steps to protect themselves during vacation this summer season.

Whether traveling across the state, across the country, or hosting a party at home, unexpected events such as severe weather, flight disruptions, accidents, lost belongings, or medical emergencies can quickly alter summer plans. Pennsylvanians should take the time to explore available insurance protections available to them through their homeowners' insurance policy as well as travel insurance coverage to offer protection and avoid unnecessary financial hardship.

"Summer should be about making memories, not managing unexpected setbacks. That is why it's important for Pennsylvanians to think about their insurance needs during the summer months - before it's too late," said Pennsylvania Insurance Commissioner Michael Hupmhreys. "Ensuring you are prepared and protected for any of life's curveballs only takes a few minutes and can make all the difference."

As a first step, Pennsylvanians should review their homeowners' insurance policies to learn more about their current coverage and ways in which they can better protect their homes this summer. For pool owners, this is also an ideal time to confirm they have sufficient liability coverage, since owning a pool increases liability risks.

Homeowners should also remember to:

• Contact their insurance company if they're considering taking an extended vacation; and
• Consider purchasing a social host liability policy, which would cover claims that may arise from injuries that occur at home, prior to hosting a party or event.

Most homeowners' insurance policies also provide some level of coverage related to travel, such as liability and theft of personal belongings. However, a comprehensive travel insurance policy may go further to ensuring vacation plans are properly insured.

A travel insurance policy may provide:

• Protection against medical emergencies, including hospitalization and emergency treatment;
• Coverage for travel interruptions, such as canceled flights, delays or natural disasters; and
• Protection for personal belongings, such as lost luggage.

The benefits provided by travel insurance policies can vary between companies, so consumers should review any product they are considering carefully. Travel insurance can be purchased annually or for a single trip.

Pennsylvanians can learn more about homeowners' insurance by visiting PID's Homeowners' Insurance webpage.

Pennsylvanians with questions about their insurance or who wish to file a complaint can visit pa.gov/consumer or call 1-866-PA-COMPLAINT (1-866-722-6675).

To learn more about insurance, visit PID's website. Follow PID on Facebook, Instagram, X or LinkedIn.