Essential Summer Insurance Tips: Protecting Your Home, Travels and Adventures

Summer brings unique insurance needs and considerations, depending on your activities and lifestyle. Here are some areas to consider:

Homeowners Insurance

• Vacation Home Coverage: Ensure your vacation property is adequately covered for risks like fire, theft and natural disasters.
• Pool Coverage: If you have a pool, ensure it’s covered under your liability insurance in case of accidents.

Auto Insurance

• Road Trips: Check that your auto insurance covers long trips and different states or countries if you’re planning to travel.
• Rental Car Coverage: If you’re renting a car, verify if your insurance covers rentals or if you need additional coverage.

Travel Insurance

• Trip Cancellation: Covers non-refundable expenses if you need to cancel your trip due to unforeseen circumstances.
• Medical Coverage: Especially important for international travel, it covers medical expenses that your regular health insurance might not.

Boat Insurance

• Liability Coverage: Covers damage you might cause to other boats or properties.
• Physical Damage Coverage: Covers repairs to your boat after accidents, theft or other incidents.

Recreational Vehicle (RV) Insurance

• Comprehensive Coverage: Covers your RV for non-collision-related damages, such as theft or weather damage.
• Liability Coverage: Covers damages or injuries you might cause while using your RV.

Umbrella Insurance

• Extra Liability Protection: Provides additional liability coverage beyond your home and auto policies, useful for high-liability activities like hosting summer parties.

Health Insurance

• Accident Coverage: Ensure you have coverage for activities like hiking, biking and other outdoor activities that might result in injuries.

Pet Insurance

• Travel Coverage: Covers your pets if they get injured or sick while traveling with you.

Special Event Insurance

• Event Cancellation: Covers costs if you have to cancel a planned event, like a wedding or a large party.
• Liability Coverage: Covers any accidents or injuries that occur during the event.

It’s always a good idea to review your policies with your insurance agent to make sure you’re adequately covered for your specific summer activities.