June 10, 2026 – Summer vacation season is here! According to the American Automobile Association (AAA), summer accounts for the highest travel volume of the year, with over 100 million Americans taking trips during the season.^[1] Whether you're planning a road trip or flying to your destination, proper preparation can help ensure your home and vehicle stay protected while you're away.

Preparing Your Home for Vacation

Security Measures: The Zebra reports that burglaries increase during summer months when more homes are left vacant.^[2] Protect your property with these steps:

• Don't advertise your absence – Avoid social media posts about travel plans until you return

• Arrange for mail and packages – Hold delivery or have someone collect them daily

• Use timers on lights – Create the appearance that someone is home

• Secure all entry points – Double-check locks on doors, windows, and garage

• Inform trusted neighbors – Ask them to watch for suspicious activity

Home Systems Management

• Adjust thermostat – Set to energy-saving temperatures (78-80°F in summer)

• Unplug electronics – Reduce fire risk and save energy

• Shut off main water supply – Prevent potential flooding from leaks

• Clean out refrigerator – Remove perishables to avoid spoilage and odors

Vehicle Preparation for Road Trips

Pre-Trip Inspection: AAA reports that mechanical failures cause millions of roadside assistance calls each summer.^[3] Avoid breakdowns with these checks:

• Tire inspection – Check tread depth, pressure, and look for damage

• Fluid levels – Oil, coolant, brake fluid, and windshield washer fluid

• Battery test – Extreme heat can reduce battery life

• Air conditioning – Ensure proper function before hitting the road

• Emergency kit – First aid supplies, tools, jumper cables, and water

Travel Documentation

• Insurance cards – Keep current auto insurance information accessible. Insurance companies like Travelers also offer auto id cards on the go via the MyTravelers mobile app.

• Registration and license – Ensure all documents are current

• Emergency contacts – Program important numbers into your phone

• Roadside assistance – Know your coverage and contact information

Insurance Considerations While Traveling

Home Insurance Coverage: Most homeowners and renters policies provide coverage even when you're away, but there are important considerations:

• Vacancy clauses – Extended absences (typically 30+ days) may affect coverage

• Theft protection – Personal property is usually covered regardless of location

• Additional living expenses – Coverage if your home becomes uninhabitable while you're away

Auto Insurance on the Road

• Out-of-state coverage – Your policy typically follows you anywhere in the US

• Rental car coverage – Check if your policy extends to rental vehicles

• Roadside assistance – Understand your coverage limits and contact procedures

Travel-Specific Protections

• Personal property coverage – Your belongings may be covered while traveling

• Credit card benefits – Many cards offer travel insurance and rental car coverage

• Travel insurance – Consider separate policies for international travel or expensive trips

Smart Travel Technology

• Home security apps – Monitor your property remotely with smart cameras and alarms

• GPS and maps – Download offline maps in case of poor cell service

• Weather apps – Stay informed about conditions at your destination and route

• Emergency apps – Download apps for roadside assistance and emergency services

Return Home Safely

• Inspect your property – Walk around your home looking for any issues

• Check systems – Turn utilities back on and test major appliances
  Review security – Check that all entry points remain secure

• Unpack promptly – Don't leave luggage and valuables visible in your car

Make the Most of Summer With proper preparation, you can enjoy your summer travels with peace of mind knowing your home and vehicle are protected. Take time to review your insurance coverage before you travel – understanding your protections can help you make informed decisions about additional coverage needs.

To take advantage of a special discount available to State Bar of Wisconsin members on auto, home, condo or renters insurance request a free, no-obligation quote online or call a licensed insurance representative at 1-877-697-1076.

For full details, including legal disclosures go to “Get A Quote.”

Endnotes

[1] American Automobile Association, "AAA: Year-End Holiday Travel Expected to Set New Record"

[2] The Zebra, "Burglary Statistics"

[3] American Automobile Association, "AAA Urges Drivers to Stay Proactive on Auto Repair and Maintenance"