Many policies provide coverage if a traveler’s home is made uninhabitable by a natural disaster while they are away.
St. Petersburg, FL (PRWEB) August 26, 2012
As Tropical Storm Isaac makes its way across the Caribbean, travelers with destination plans in the storm’s path will face inevitable cancellations and delays. Many travel insurance plans include hurricane and weather benefits for disruptions due to adverse weather at a traveler’s destination. However, what happens when a traveler’s home is damaged while they are away? According to Squaremouth, America’s fastest growing travel insurance comparison site, travelers are often unaware that travel insurance benefits are available for these situations.
“Many policies provide coverage if a traveler’s home is made uninhabitable by a natural disaster while they are away,” explains Chris Harvey, CEO of Squaremouth. This coverage usually falls under a policy’s “trip interruption” benefit. “Even if a policy doesn’t include hurricane and weather coverage, it may still provide interruption coverage to get a traveler back home in the event of a disaster.”
The trigger for coverage in these instances is that the residence must be made uninhabitable by a natural disaster. In insurance language, “uninhabitable” usually includes structural instability or damage that allows elemental intrusion, loss of water or electricity, and immediate safety hazards like downed electrical lines. “Natural disasters” typically include floods, hurricanes, tornados, earthquakes, fires and blizzards.
Trip interruption benefits cover 100-200% of trip cost. Higher coverage allows travelers to claim unused days and additional travel expenses to return home.
“People tend to think trip interruption benefits only apply when a destination is adversely affected by weather,” says Harvey. “But if someone’s residence is damaged by a natural disaster while they are away, it may be imperative that they get home quickly to assess and fix those damages.” As Isaac moves into the Gulf of Mexico, coastal residents who are currently away on vacation should check travel insurance policies for this interruption benefit.
Squaremouth is America’s fastest growing travel insurance comparison site, helping customers instantly quote, compare and buy policies from every major carrier. Squaremouth has web sites in the US and UK, and an extensive network of partner sites worldwide. The company is headquartered in St. Petersburg, FL., with offices in Fort Wayne, IN. Visit Squaremouth.com or Squaremouth.co.uk.
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