Vacation Tips to Protect You and Your Family

Vacation Tips for Safety - Manalis Insurance Group Charlotte NCWhen you go on vacation it is should be a time of fun and relaxing, you should not have to worry about your money, property, and information being compromised. If you take a few extra steps, you can prevent your friends, family and yourself from having to feel the devastation of being a victim of theft. We at the Manalis Insurance Group, give you these safety tips to help you have a safe, fun, worry free vacation:

  • Stop your mail delivery while you are on vacation. Nothing says an empty house like a stack of mail or newspapers piled upon the front door. So, if you do have a neighbor retrieving mail and newspapers while you are away, make sure that they can be there every day.
  • Make sure that your friends and family have copies of travel documents and plans. This includes passport numbers. credit card numbers, and phone numbers for your credit card companies, plane tickets and itinerary information.
  • Leave your regular checkbook at home.  If your checks are stolen, if someone re-orders checks in your name, you won’t realize it until you receive your bank statement. Plus, it’s difficult to cancel them and track their use as you would a credit card.
  • Have separate credit cards, debit cards and ATM cards and make sure that you your debit card have a need a PIN for in-store use.
  • Do not carry large amounts of cash. Traveler’s checks can usually be replaced within 24 hours and are widely accepted.
  • Try not to use an ATM at or after dark. If is an absolute that you must use one after dark, try and find a busy, well-lit area, such as a grocery store to perform your transaction.
  • Your credit card number is on your plane tickets, so remember to treat them as you would your credit card.
  • Separate your credit cards, plane tickets, ATM cards and travelers checks.
  • Common sense goes a long way when traveling. Try not to look like a tourist.  Avoid carrying your camera in a tote rather than a fancy carrying case, do not read maps in a busy, high-traffic area if you can help it, and do not flaunt large amounts of cash when removing money from your pocket or wallet.
  • Lock them in a safe while the room is unoccupied. Do not assume your personal documents are safe in your hotel room.
  • Wear a “money purse” underneath your clothes this makes it easy to keep your money and information safe.  Place your passport, phone numbers for credit card companies, and a small amount of cash here, just in case your wallet get stolen.
  • Leave cards for particular department stores or things like gas cards at home. Only carry credit cards that you will need on vacation.
  • Carry a “dummy” wallet in your back pocket so that if you are mugged the 20 or so dollars in it would satisfy the robber without draining all of your funds.
  • Do not hang purses on the back of bathroom stall doors. Someone can reach over the door and grab and run before you have a chance to react.  

Compile a personal property inventory before you go on vacation, this  helps determine replacement cost of lost items. Your homeowners, condo or renters insurance policy may cover loss or damage of your personal items while traveling, up to specified limits. Make sure you document each item’s year of purchase as well as the original price you paid for it.  For items that may exceed policy limits, such as jewelry, cameras, laptops, tablets and golf equipment, there is a need additional protection.

To ensure you have the coverage you need, contact us HERE or call (704) 243-8272.

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