The ticket to you-know-where

Ahhhh, finally - you're off to Tuscany (or some other dream vacation)! You've been planning and saving for this trip for a long, long time. The passports and airline tickets all tucked in the envelope. Suitcases are packed and in a couple days you'll be on your way to that long-awaited destination. Then you come home to a kicked-in back door and find that you've been burglarized. The passports and tickets (along with a lot of other items) are gone. Will you be able to go anyway? Will you be able to afford to purchase new? Does your insurance cover this type of theft?

We've been talking about the Special Limits of Liability of your Personal Property Coverages. This is one I'm guessing many people don't know about. The average policy has a $1000 limit on passports and tickets (and many other similar items, by the way - like postage stamps, for example). This is not $1000 for each - it is per incident.

Roundtrip flights to Tuscany are more than $700 each. Which means, for those of you who are doing the math, that your insurance will most likely not even cover the cost of the 2 airline tickets.

Don't let your vacation be ruined - or even cancelled - because you can't come up with the funds that will not be replaced by your insurance company. Don't let some burglar steal your vacation out from under you! Read your policy, or call your insurance agent to know exactly what your limit is!