Summer Ready?
Prepare Your Insurance for Outdoor Fun
As temperatures rise and summer fun beckons, it’s important to ensure your home and leisure activities are protected. The arrival of summer often brings new adventures—pool parties, road trips with your camper, and relaxing afternoons cruising in your golf cart. But before you dive into the season, take a few minutes to review and update your insurance policies. Proper coverage will give you peace of mind, so you can focus on making the most of summer.
Pool Ownership: Protect Your Oasis
A swimming pool can be the crown jewel of your backyard—a source of relaxation and endless fun. However, pools also come with added responsibility and potential liabilities. That’s why it’s crucial to make sure your pool is included in your homeowners insurance policy:
Replacement Cost Coverage:
Confirm that your pool is factored into your replacement cost estimate, which ensures it’s protected in case of damage from storms, falling trees, or other covered events.
Liability Protection:
Pools increase the risk of accidents and injuries on your property. Review your liability coverage limits to make sure you’d be protected from lawsuits or medical bills if an accident occurs.
Inform Your Insurance Agent:
If you’re not sure whether your pool is included in your coverage, reach out to your agent to review and, if needed, update your policy.
Golf Carts, Campers, and Summer Toys: Is Everything Covered?
Summer is the season for adventure, and many homeowners bring out golf carts, campers, ATVs, and other recreational vehicles. But are these toys properly insured?
Golf Carts:
Even when used only on your property, golf carts may require a specific endorsement or separate policy for coverage in case of theft, accidents, or damage.
Campers/RVs:
Whether you use your camper for occasional getaways or extended trips, check your policy to make sure you have adequate comprehensive and liability coverage.
Watercraft:
Your boat may be covered, but what about jet skis, small fishing boats, or other like items? Though these may seem small, damage can amount quickly and you don’t want to be stuck with out-of-pocket expenses.
Review and Update All Policies
Life changes and property additions can impact your coverage needs. Take a moment at the start of each season to ask yourself:
Have I added any new recreational equipment or vehicles?
Have I made any home improvements, like installing a pool or building an outdoor kitchen?
Do my current policies reflect these updates?
Keeping your insurance up to date ensures that you’re not caught off guard and that your summer months are smooth and stress-free. Whether you’re lounging by the pool, road-tripping in your camper, or zipping around in your golf cart, make sure your insurance policies are as ready for summer as you are. A quick review with your insurance provider can save you from unexpected headaches and let you enjoy every sun-soaked moment. If you have questions or need to check your policy’s details, don’t hesitate to reach out. Have a wonderful, safe, and fun-filled summer!
