Summer Rental Risks: Is Your Family Fun Protected?

Posted on May 14, 2013 Updated on May 14, 2013

The iconic 1985 comedy Summer Rental starring John Candy is a hilarious portrait of Jack Chester, a family-man dedicated to giving his family the best beach vacation possible. Its also full of important insurance lessons. Here s a quick rundown of what is, and is not, covered. Review these with your independent agent before going on vacation this summer so you know whether or not youre protected.

Renting a vacation home

Personal liability coverage follows you anywhere in the world.
Personal property coverage would apply as well, but coverage for personal property of guests is limited.
Should the vacation home, hotel, cottage, etc. be damaged or uninhabitable, there is no Loss of Use coverage under the standard homeowners policy.
Damage to property of others (such as the building itself or its contents) is limited to $1,000 subject to policy exclusions.

Renting watercraft

One of the most common rental scenarios involves jet skis. ISOs standard homeowners policy provides liability coverage for inboard or inboard/outboard watercraft that has 50 HP or less, BUT This would exclude many, if not most, rented jet skis.
The standard ISO homeowners policy provides liability coverage for rented sailboats less than 26 feet in length and borrowed sailboats (i.e. not owned or rented) of any length.
No coverage for racing events sorry Jack!
Most non-motorized watercraft such as kayaks, rafts, canoes, and rowboats should have some coverage, but its always best to check prior to renting.

Renting a car

What can we learn from Jack Chester? Dont fall asleep in the sun, make sure your vacation home isnt also the public beach access, and do your homework before embarking on your next family-fun adventure. Take a few minutes and check with your independent agent its always better to ask if you have coverage beforehand. Centrals tip sheet Review Your Insurance Coverage on Summer Fun Items is a great guide.

Do any of your vacation plans include a summer rental?

This entry was posted in Central, Personal and tagged car rental, jet skis, John Candy, rental risks; family vacation, sailboat, summer, Summer Rental, vacation, vacation home, watercraft.

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Summer Rental Risks: Is Your Family Fun Protected ...
The iconic 1985 comedy Summer Rental starring John Candy is a hilarious portrait of Jack Chester, a family-man dedicated to giving his family the best beach

Summer Rental Risks: Is Your Family Fun Protected? |
The iconic 1985 comedy Summer Rental starring John Candy is a hilarious portrait of Jack Chester, a family-man dedicated to giving his family the best beach

Summer Breeze 26 or 33 Family Fun! Book Now!
The unique location of Summer Breeze makes it a fun place to enjoy Summer Breeze 26 or 33 Family Fun! Book Now! You sent a Guarantee the rental meets your

Consumer Alert: Are you properly insured for summer fun?
Are You Properly Insured for Your Summer Fun? The to make sure you and your family are insured for the needs for summer risks, contact your state

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What Are Some Fun Family Activities for Summer?. Summer is the perfect season for planning fun family activities. The weather is warmer, inviting outside exploration.

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offer many ways for you and your family to enjoy getting outdoors. rental equipment, Reno Family Fun Things to Do

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Outside activities can be fun to share with your family dog; but remember to protect him from the summer heat. If you risk of heat exhaustion, especially if your

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Large Waterfront Vacation Home for Your Family Fun
Large Waterfront Vacation Home for Your Family Fun You (summer months) Guarantee the rental meets your expectations.

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Summer Rental Risks: Is Your Family Fun Protected?