8 Summer Insurance Risks

Jun 29, 2015


Summertime should be relaxing and enjoyable. Make sure you’re covered against these common summer risks.

1. Dive In – Pool Insurance

Thinking of adding a pool to your backyard oasis? Before you dive in, check with your insurance agent to make sure you have proper coverage.

Regular homeowners insurance may not offer enough coverage for your pool— many policies even exclude pools altogether. If you’re considering installing a pool, make sure you check with your agent about boosting your liability coverage. You may even want to consider an umbrella policy if it’s available in your area.

2. Watercraft Coverage, Ahoy!

Proper boat insurance can not only pay if your own boat is damaged, lost, or stolen, but can also cover damages or injuries to others as well as legal expenses.

For small watercrafts, like kayaks, canoes, small sailboats or small motorboats (with 25 mph horsepower or less), your homeowners or renters insurance may provide all the coverage you need.

For larger watercrafts, including boats with greater horsepower and personal watercraft like jet skis, you’ll need a separate dedicated marine policy. The cost of the policy will depend on many factors including: your boating background, the type of watercraft you own, the location you plan to use it, and whether it has safety equipment such as fire extinguishers.

3. Vehicle Insurance

The summer maybe made for road tripping, but before you hit the open road, be sure to review your auto insurance policy so you understand your coverage. Considering using a rental instead? Always be sure you know what’s covered by your personal auto insurance before you accept a rental company’s policy.

The insurance sold by a rental company will typically include: liability protection, personal accident insurance for medical or ambulance needs, and personal effects coverage for theft of your belongings in the car. This could be more than you really need. Check your auto policy with your agent as well as your credit card agreement – some credit cards provide vehicle rental coverage in their services.

4. Rental Properties

If you’re vacationing in a rental this summer, be sure to talk to your agent about whether your own homeowners insurance will cover damage or theft on the rental property. You should also check into the fine print if you use an online booking site. They sometimes offer a property damage policy as part of your vacation package.

5. Have Insurance, Will Travel

Travel insurance covers issues such as cancelled flights, trip interruptions due to illness, lost or stolen bags, medical emergencies in foreign countries and more.

Just make sure to do a little bit of research before settling on a policy. Pay careful attention to the price and the coverage. If you purchased your trip using a credit card, you may have automatic travel insurance. Many credit cards cover trip interruptions or delays, trip cancellations and lost luggage.

6. Personal Possessions

From the airport to the hotel, to that stop-in diner on the last turnpike, there are plenty of opportunities for your possessions to become lost or damaged. Luckily, your standard homeowners insurance policy typically includes a “personal contents coverage,” which may protect your belongings even when they aren’t at home. Before you take out, be sure to contact your insurance agent to find out if you’re covered.

7. Home Sweet Home

While you’re away, your home could be more vulnerable. Here are a few ways to keep it safe:

  • Always ask someone you trust to keep an eye on your property. Be sure to request they notify you and/or the police if they notice something fishy.
  • Refrain from posting details about your vacation online until you get back. You could tip off criminals that you’ll be out of town, making your property easy pickings. You can always brag and show off photos after you return.
  • Purchase timers for your lights. You can program lights to go off and on at certain times so it looks like someone is home.
  • Unplug unnecessary appliances, electronics, and switch off water valves. You won’t just protect them and your property from power surges and potential leaks; you’ll also save on utilities.

8. Personal Injury

Wherever your summer adventures take you, make sure you have coverage in place for any unexpected injuries that may come up.

Before you head out, make sure you understand what your health insurance policy covers. Also be sure to check if medical providers in the area you’re headed to are in or out of your policy’s network. This can make a huge difference when it comes time to pay your bill.

You should also consider if you have adequate coverage for any injuries to others that may occur on your property. This includes visitors you’re expecting over for your annual summer BBQ shin-dig. If someone is injured on your property, do you have coverage in place to pay their medical bills and/or any possible lawsuit that may follow?

Get With Your Agent

The best way to make sure you’re covered is by getting with an insurance agent. Have them sit down with you and go over what is and what isn’t covered under your current policies. They can help you not only understand what your policy entails, but also double check for any missed coverages or policy gaps.

Have questions about your coverage options? Get in touch through the form below. Our team of agents would love to sit down for a chat.

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