This seems to be a confusing, costly issue for many. Most advice says you likely are already covered.
You can read more here: http://money.cnn.com/2014/06/30/pf/insurance/rental-car-insurance/index.html
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Tip 16: Fruity travel challenges
Fruit is a difficult item to bring home from other states or countries. Be knowledgeable about the border rules so you don’t have to throw away a souvenir or expensive purchase.
The rules are complicated in many cases. Here is a good starting point on Customs and Border rules on plants in the US:
Tip 15: Women traveling alone
When we travel alone, we often chose to eat at the restaurant’s bar as to not stick out as a single person at a table.
Also, protect yourself in your hotel room by looking through the peep hole before opening the door if someone is knocking.
Adventurous Kate has some more good advice here: http://www.adventurouskate.com/top-10-travel-safety-tips-for-women/
Tip 14: Make your luggage stand out
It seems like every other piece of luggage at baggage claim looks the same. A friend has experience the horrifying mix up and you can only imagine it’s not fun. Use a colorful ribbon around the handle or a unique luggage tag, like this one, to help identify your bag and show your love for Lead.Travel.Pray.!
Tip 13: Top spots to disinfect in your hotel room
Do you know the top disinfection spots in your hotel room? Experts recommend you wipe down the remote control, light switches, table tops and door knobs. You can carry disposable wipes and/or use the provided shower cap to cover the remote.
Lead. Travel. Pray. 