You’re a person, not a policy.
We’re creating Peace of Mind for the People we Care About.

We are at the time of year people are planning to do some winter get away traveling.  Here is what you need to know:

Auto Insurance Issues

  • If you will be renting a car in the USA and Canada, your liability coverage applies to any and all losses.  You should not need to pay extra for coverage from the rental car company.
  • The claim is covered by the auto policy of the person who actually rents the car.
  • There is no deductible in a rental car claim.
  • Make sure you have adequate property damage liability, it is cheap.
  • If you have a claim keep all documents to ensure that you do not get a surcharge for losses you are not at fault for. 
  • If you are renting a car through your business, you will want to find out from your agent if your liability extends to rental cars, typically it does.
  • Take a picture of your insurance ID card and keep it on your phone!


Personal Property Insurance Issues

  • Your belongings are covered worldwide under your home or renters policy.
  • Lost luggage is not covered, but theft is.
  • If you are taking along jewelry or expensive electronics contact your agent about scheduling the items to cover for almost anything except mechanical breakage.
  • Don’t advertise on Facebook and other social media that you will be out of town!
  • Take your agent’s contact data with you, they can help with any problems.

Your insurance agent can salvage any part of your trip after something bad happens, and will gladly offer to help where they can.  All you have to do is give them a call! 

Loonan & Loonan's Consulting Blog

Image courtesy of kongsky at

Posted 6:00 PM

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014

View Mobile Version

Our Customer Feedback

"Great people to help you with insurance needs...."

-Toni Kunz
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
Social Icon Social Icon Social Icon Social Icon Social Icon Social Icon
Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at 651-209-9330 to discuss specific coverage details and your insurance needs. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.
© Copyright. All rights reserved. Powered by Insurance Website Builder