Homeowners insurance can do more for you than just protect your actual home and possessions. When you travel on vacation and rent a vacation home, your homeowners insurance comes along with you.
Many homeowner policies have an off-site limit up to 10% of your whole policy. For example, if your policy is for $100,000, then you have $10,000 in off-site protection. This includes protecting your family and possessions from fire, wind damage, vandalism, and theft. Water damage is also usually covered but not in the case of flooding.
So, consider what you take with you on vacation. If you need to bring an expensive personal item with you, ask your agent about a floater or endorsement to protect it. Make an inventory list of any items you are bringing along with you as well as taking pictures. It is also a good idea to ask about any supplemental insurance if you would like to rent a summer vacation home.
Resources: houselogic
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