You can usually skip a travel insurance policy for an inexpensive domestic trip. If something goes awry, the financial hit will likely be minimal. But for longer and more-expensive trips, which may be locked down with nonrefundable deposits that are difficult to recoup, insuring your vacation is usually worthwhile.
A comprehensive policy will typically run 5% to 10% of your total trip cost, according to Squaremouth.com, a travel insurance search site. You can get policies that reimburse you for the costs of canceling or cutting short your trip if the weather turns dangerous. Or you may be able to get covered if you need to cancel or interrupt your trip because your own home is destroyed.
Read the full Kiplinger article online here: https://www.kiplinger.com/article/insurance/T059-C000-S002-disaster-proof-your-vacation-with-travel-insurance.html