Essential Summer Insurance Policies to Consider

As summer approaches, vacations, outdoor adventures, and home maintenance activities are on the rise. These seasonal changes bring unique insurance needs that many clients may not have considered. It's the perfect time for a policy review to adjust coverage proactively and avoid the risks of overlooked gaps.

Auto Insurance

For clients bringing vehicles out of storage for the summer, it’s crucial to confirm necessary liability, comprehensive, and collision coverage. With increased summer driving and road trips, updated policies are essential. Clients should also verify that all drivers on the policy are covered to ensure their protection.

Homeowners and Storm Protection

Many clients may not realize that standard policies offer limited debris removal coverage. For those with large trees or extensive landscaping, reviewing storm-related coverage is vital. Summer storms can lead to unexpected damage, making preparedness and early policy updates essential for peace of mind.

Boats and Watercraft

Ensuring adequate coverage for a boat’s full value, including recent upgrades and additional equipment, is important for clients. Verifying liability limits and confirming proper safety and maintenance procedures will help address potential policy gaps, such as guest operator coverage or towing protection.

Recreational Vehicles (RVs, ATVs, etc.)

Clients who have purchased or upgraded an RV, ATV, or another recreational vehicle may require additional coverage. Summer adventures come with unique risks, necessitating a review of liability and accident protection. Optional add-ons like roadside assistance or expanded liability coverage can provide extra security.

Encourage clients to take a proactive approach to their insurance needs by reviewing their summer policies now. A simple policy check can prevent costly surprises and provide peace of mind during the season.