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Summer Vacation Safety: A Little Planning Goes a Long Way

We love it here in Bay Area, San Joaquin Valley, East Bay and Tri Valley, but summertime is the time for getting away! And whether your escape is by air, land or sea, M3 Monagan Miller McCreary Insurance can help ensure you are covered.

Just because you’re on vacation, though, doesn’t mean you can stop thinking about safety. These tips will help you and your family get the most out of your trip – and help you get back to Tracy and Danville safe and sound.

Does my insurance come on vacation with me?

This is a common question here at M3 Monagan Miller McCreary Insurance. Here are some brief answers. Call us at 800-830-6656 if you have more specific questions.

AUTO: In most instances, your personal auto policy coverages will extend to your rental car. However, give us a call at 800-830-6656 so we can discuss your specific situation. Be sure to mention if you’re traveling out of state or internationally, as that could impact your coverage.

HOME: If you rent a vacation property, your homeowners coverage may apply in certain situations. Personal items you take on vacation generally are covered, but again, give us a call at 800-830-6656 so we can discuss your specific policy and coverage.

Before You Leave Home

  • Secure your home, and don’t leave a house key hidden outside. Ask a friend or neighbor to pick up your mail and newspaper and help with yard maintenance. This, along with timers for some household lights, will make it look like your house is occupied.
  • Tell a friend or neighbor about your itinerary and how to reach you in case of emergency.
  • The Privacy Rights Clearinghouse (PRC) recommends using caution when posting on Facebook or other social media websites. You don’t want everyone to know you’re on vacation!

What To – Or Not To – Pack

  • Keep a first-aid kit handy when traveling. And bring copies of any prescriptions, along with enough medication to last through your trip. Be sure all important medications are with you in your carry-on luggage.
  • Don’t bring unnecessary credit cards or documents that could compromise your identity if lost or stolen.

Staying Safe On Your Trip

  • Heading outdoors? Use sunglasses and plenty of sunblock. Don’t forget that you can get burned even on a cloudy day, especially in tropical locations. It’s far easier to prevent a sunburn than to treat one.
  • If you’re going to be in or around the water, use extreme caution. Always wear a life jacket when boating, and don’t swim or dive alone, or if you’ve been drinking. You can go ahead and swim immediately after you eat, if you like because that doesn’t lead to cramping, according to the American Council on Science and Health.
  • Prevent heat-related injuries by staying hydrated, scheduling activities for cooler times and dressing in light, loose-fitting clothing. Remember, never leave children or pets inside a car, even if the windows are open.
  • Going to an amusement park or fair with your kids? Take a picture of them at the start of each day. Then, if you are separated, you can easily show people what they look like – and exactly what they’re wearing.

Remember, just a little extra emphasis on safety can make a big difference in how memorable your vacation will be.

Contact Us!

For further questions and assistance, please contact M3 Monagan Miller McCreary Insurance at 800-830-6656or

M3 Monagan Miller McCreary Insurance: Come for the Savings...Stay for the Service.

Content provided by: Safeco Insurance

Our Locations

Tracy Location

1137 B Adam St.
Tracy, CA 95376
Main office: 209-835-6656
Toll free: 800-830-6656
Fax: 209-835-0955

Danville Location

4115 Blackhawk Plaza Circle
Suite 100
Danville, CA 94506
Main office: 925-350-8925
Fax: 866-790-0955

Our Providers


Thank you for the excellent service you have provided over the years, having both homes, three cars, umbrella and other insurance with you as well. It's all been fantastically handled. We made the move over because we saved a lot of money, but beyond saving money the service has been excellent and you and your entire team deserved to be thanked and credited for that. Thanks again, and it's been a wonderful experience and I'm looking forward to a long and prospect relationship.

Craig Walker
Sean and his team provided great service. I called Sean as a friend and asked him to look at my current policies to see if he could save me some money or possibly better protection and he came back with 1 ½ hr later which is amazing in today's day and time. He gave me much better protection and saved me at least 45-50% off my current home and auto policies. He organized and put it all together plus an umbrella policy. I just want to thank Sean and his team once again for helping out just great service. In today's day and age service means a lot especially when we can save some money. Thank you again.

David Liebowitz
Sean I just wanted to take a moment and tell you how happy Kim and I are with you and your team. Having been with State Farm for over 20 years, I just assumed they were taking care of us. Well needless to say – they were just taking our money. Your package saved us hundreds of dollars per year, and I could not be happier with the service. Thanks So Much.

Paul Bradley
My claim experience with your office and Travelers was great. Matt, the adjuster, was delightful. He made me feel relaxed and comfortable. I enjoyed working with him as he was extremely cooperative.

Paulette Ranuio
Your service is absolutely marvelous and just wonderful. When we had a billing problem, your team was on top of it. I was never nervous about it because I knew that it was being taken care of. I really want to thank you and your staff for being there. Your customer service is perfect.

Helena Lowe
I remember when my insurance premium was sky high. At M3, I saved $348 on my auto insurance and I upgraded my home insurance without paying more. It's incredible, I love it!

Joe Rowen
The service is first rate!

Bridget Riddle
I can't say enough good things about M3 Insurance. I couldn't ask for more when I compare my former agent with M3's there is no comparison. As far as claims goes, everything went right. I am a busy business owner and I know I can trust M3 to get the job done on time with a competitive price.

Bob Mills
Sean has always been there for us as our homes, investment properties, and business changes. He and his team do such a great job at keeping up with our busy lives and making sure we have the right protection at the right price.

Stephanie Prioste
There aren't many people in the insurance business that have the knowledge and understanding that Sean possesses. He has the ability to take an insurance policy, make it simple to understand, and take of details that others have left out. When it comes to insurance, Sean is the best.

Rob Riccio
Sean has been a valuable resource for over 10 years. When I remodeled my house, he helped to ensure that our improvements would be protected during and after construction Sean always makes a point to review my needs periodically which none of my other agents ever bothered to do.

Joe Grillo
If you, anyone you know, or any new clients are interested in speaking with a really awesome insurance agent, you should send them to mine. She rocks. I've been with her for 10 years now. Her name is Kelly Johnson at M3 Insurance.

Amir Littman, San Jose
"Jim and I were so impressed by your prompt customer service, complete and thorough assessment of our needs, and efficient processing of great policies. Both Kelly and Elizabeth were delightful to work with and we thank them in advance for being our 'go-to' people for future service. It is our pleasure to work with you and your outstanding team!"

Bette and Jim Felton