Smart Insurance Coverage This Summer
Sure, the risk of severe storms and natural disasters increases during the summers months, but there are also plenty of "hidden dangers" you may not always consider. If you're not adequately protected against them, you could find yourself in the middle of an insurance storm.
Property Insurance Covers More Than Your Home
Home damage caused by intense thunder storms accounts for many homeowner's insurance claims over the warmer months, but so much more can go wrong in and around your home.
Things like bicycles, high-end camping gear, and the cameras you use to record your adventures are expensive items that can be damaged in a catastrophe or fall victim to theft. Luckily, they're often covered by your homeowners insurance or renters insurance policy. But as you accumulate these kinds of goodies over time, it's important to verify that your coverage levels still meet your needs—speaking to your insurance agent is an easy way to make sure your coverage is keeping up with your lifestyle.
Should the unexpected occur, you'll want to have all the information you need to file your claim.
Going Above and Beyond Your Policy Limits
What if a wayward sparkler on the 4th of July caused a burn or set a flammable item on fire? Or
Consider the additional level of protection that comes with a Personal Umbrella Policy. A personal umbrella policy provides liability coverage over and above your standard auto insurance or homeowners insurance. Basically, it offers protection against large and potentially devastating liability claims or judgments, kicking in right where your other liability coverage stops.
A personal umbrella policy's added protection is a great safeguard if you own a pool, but don't ignore the other potential dangers lurking around your house. Check out our article Is Your Backyard Safe for Summer? to help keep your summer fun accident-free.
Two-Wheeled Trips Call for Motorcycle Insurance
As the weather gets warmer, the open road calls. Unfortunately, so do nearly 100,000 annual motorcycle accidents and injuries. One way to protect yourself is making sure you use the right safety gear every time you ride. For help making smart decisions, check out our Tips for Buying the Right Motorcycle Gear.
Your auto insurance won't help you on a motorcycle. You'll need motorcycle insurance that protects your bike—and also protects you.
Your Home on Wheels Needs Fixed Protection
If your summer travel plans include an RV or motor home, remember that these special vehicles fall outside the coverage of your regular auto insurance. The good news is that motor home insurance offers specialized protection for you and your family, and even the contents inside.
Plan for Your 4-Wheeled Fun
Many people don't think to insure their all-terrain and off-road vehicles. While their relative size may be small, they can come with outsized price tags. And with so many dips, jumps, turns, and outdoor hazards (like tree limbs!), there's no shortage of things that can go wrong. Off-road vehicle insurance can help protect your investment whether you're riding on back trails in the woods or on the back 9.
Get Covered Before You Get Drenched
When you set out to boat, you've got more than just fueling your tank to think about. Fun on the water also means having the right safety equipment, emergency service plan, and wreck coverage ready in case you need it—read our What to Put in a Boat Safety Kit article to get a head start.
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