As winter winds down and our seasonal residents begin preparing to travel back north, it’s the perfect time for a quick insurance check-up. Whether you are heading home next month or later this spring, a few proactive steps from Massey, Clark, Fischer can help ensure you are covered — no matter where you call home.

Review Your Home Coverage Before You Go

Before locking up your Florida home for the season, take a moment to review your homeowners or condo insurance. Many carriers have specific requirements for vacant or unoccupied homes — such as maintaining air conditioning, turning off water, securing outdoor areas or having someone inspect the property periodically. A brief policy review now can prevent unpleasant surprises later. Make sure your policy includes:

• Coverage for theft or vandalism during extended absence
• Protection from storm damage as hurricane season approaches
• Updated contact information for your property caretakers or local contact  

Auto, Golf Cart and Travel Coverage on the Move

If you are driving north, confirm your auto insurance provides coverage across state lines. For those storing or shipping vehicles, verify that your policy covers potential transport of storage risks. Don’t forget your golf cart insurance, especially if you are leaving it behind. As you make travel plans, also take a moment to review your health and travel insurance. Confirm your plan extends beyond your winter residence and check for any network restrictions, especially for Medicare and supplemental policies. 

 “Every year around this time, we remind our seasonal residents that a little preparation goes a long way. Making sure your coverage is current — both here in Florida and up north — helps you travel with peace of mind” — H.W. “Hank” Massey, Jr., President, Massey, Clark, Fischer, Inc.

How AI Can Help You Stay Protected

Artificial intelligence is becoming a valuable tool for homeowners and travelers alike. AI-powered platforms can now track renewal dates, analyze your coverage needs and alert you to gaps based on your location and lifestyle. Even more helpful for snowbirds are AI-enabled smart home devices that can act as your digital caretakers while you are away. One such appliance is leak and temperature sensors. They can remotely warn you of leaky pipes, A/C issues or humidity spikes at your seasonal residence and send real-time alerts. 

A smooth return north starts with the right coverage and preparation. Before you leave, make sure your home, vehicles and health policies are all up to date. A quick review now can save you time, stress and potential costs later. Massey, Clark, Fischer is a Florida based family-owned and operated insurance agency providing trusted guidance to individuals, families and businesses. With 65+ years of experience, we work with 70+ top-rated carriers to tailor protection that fits your life — season after season. Contact us for personalized service and customized coverage.

Hank Massey Jr. majored in Insurance at the University of Florida and graduated with his B.S. in Business Administration in 1983. He earned his 2-20 General Lines Property & Casualty and Life & Health license at that time. He earned a distinction as Chartered Life Underwriter (CLU®) in October of 1994 and Chartered Property Casualty Underwriter (CPCU®) in March of 2000.

Disclaimer: The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.