Essential Summer Insurance Policy Checks

Introduction

Summer brings vibrant outdoor activities, vacations, and home maintenance projects, each presenting unique insurance needs that might slip under the radar. With increased risks from summer storms, road trips, and recreational activities, reviewing and updating insurance policies becomes crucial. Proactively adjusting coverages ensures protection against unexpected hazards and gaps in policies.

Auto Insurance

Think about the surge in your driving during the summer months—those weekend getaways, road trips, or just enjoying the sun have their risks. Clients bringing their vehicles out of storage should confirm they have comprehensive, collision, and liability coverage. This summer, verify that all drivers under the policy are accounted for, ensuring complete coverage and a safe season on the roads.

Recreational Vehicles (RVs, ATVs, etc.)

Summer adventures call for affordable peace of mind when it comes to ATVs, upgraded RVs, or any other recreational vehicle purchases. These assets come with unique risks. Review your liability and accident protection and consider optional add-ons like roadside assistance or expanded liability coverage. Ensure your adventures are safe and covered!

Homeowners and Storm Protection

Did you know that standard policies often offer limited debris removal coverage? As summer storms can cause unexpected damage, checking your storm protection coverage is vital, especially if you have large trees or intricate landscaping. Encourage preparedness and adjust your policy early to avoid hefty surprises.

Boats and Watercraft

A fun day on the water starts with ensuring that your boat is covered for its full value, including recent upgrades and additional equipment. Make sure to verify liability limits and confirm your safety and maintenance measures. Consider potential policy gaps like guest operator coverage or towing protection. Keep your nautical adventures risk-free. Summer should be about relaxation, fun, and creating memories—not worrying about possible insurance claims. Encourage your clients to proactively review and adjust their policies now, so they can have peace of mind when enjoying the sun. These simple checks can safeguard against unforeseen summer surprises.