If you live in an area that will be affected by the eclipse, you've no doubt heard about the things you need to do to protect your eyes. But did you know there may be insurance-related issues?

You're going to be in the dark on August 21st, we don't want you to be in the dark if you're planning to rent out your home:

• Because each situation is different, we encourage homeowners speak with their insurance agent before renting out your home. Having that conversation will help you understand your specific policy, any limitations, and identify if you have enough coverage and the right endorsements. For example, if a renting tenant steals something, coverage may be limited or nonexistent in certain situations under a homeowners insurance policy.

• Be mindful that homeowners insurance is designed for owner-occupied properties, and renting rooms naturally increases a homeowner's risk. Most homeowner's and renter's insurance policies do not cover regular business activity in the home.

• The discussion with your insurer should involve how long will a tenant be in your home, and for what purposes. Do you plan on leaving your home while the tenant is there, or will you be present the whole time? - those might be different levels of risk. Short-term stays may qualify for liability and property coverage under your existing policy, but that all depends on your own situation, your insurance contract, and your company.

• Another consideration is for the one renting the home. As a tenant, if the home is burglarized while they are renting it and their own stuff gets stolen, are they covered?

• Some insurers require notification beforehand that you're going to rent your home out. Others might require an endorsement. In addition, some cities require that homeowners apply for a license before renting out their properties. You need to check with your local municipality about their regulations.

• Bottom line is, visiting with your insurance agent is the best route.

  

On the Road:

• Roadway safety is a big concern. Imagine thousands of travelers for example, getting caught in the "magic dark minutes," stopping on a busy interstate. People tailgating and rear-ending others and the traffic congestion is why law enforcement for one will be out in force. We urge people to think ahead about exactly where they will be on Aug. 21st and prepare accordingly. If possible, don't get stuck on a road.