Quebec’s harsh winters drive many of our retirees to the U.S. or to warmer climates for several weeks a year. If you’re one of them, don’t forget to call your insurance broker before you leave! Here are some explanations and recommendations from Assurances Groupe Vézina to make sure you’re well covered during your stay in the sun!
Your home unoccupied for several weeks
Since you’re leaving your home unoccupied for several weeks, your broker will take advantage of your call to:
- check that your coverages are adequate and that your home will be well covered during your absence.
- inform you of possible exclusions from coverage during your absence. For example, your home insurance may not cover frost damage to your property if your home is unoccupied for more than 7 consecutive days, unless it is visited daily by someone you trust. Otherwise, turn off the water and drain all appliances and fixtures before you leave.
- advise you on measures to take to reduce the risk of damage to your home while you’re away. Heating, water intake, maintenance and theft prevention are just some of the topics you should discuss with your landlord.
Traveling to the U.S. by car, motor home or trailer?
Your insurance broker will check that you have the coverage you need to hit the road in the United States. He’ll also provide you with important information to know in the event of an accident during your stay.
In addition to your broker’s advice, take the following precautions before setting off with your vehicle:
- Make sure your documents are in order: registration certificates, insurance and driver’s license.
- Have your vehicle inspected before you leave, including the cooling system, tires, brakes and electrical equipment.
- If you don’t have one, take out roadside assistance valid in the United States. If you already have one, make sure you can get help in the U.S. in the event of an accident or mechanical breakdown.
Make sure you have car rental insurance coverage (F.A.Q. no. 27) if you plan to rent a vehicle at your destination.
