With the summer officially started it is time to bask in summer activities we have been waiting for all summer long. From relaxing in a pool to having fun on your trampoline or taking your boat out for the day, there are a bunch of activities that you can have insurance policies on for extra protection. No matter what time of the year it is, it is always better to be safe than sorry and to have a layer of protection on your side in the event of any accident that may happen. Below are a couple of common insurance needs that tend to come up during the summer months.
Common Insurance Needs in the Summer
Renters & Homeowners Insurance
Whether you have either renters or homeowners insurance, you will have a peace of mind that your belongings will be protected. If you are on vacation during the summer and your possessions are damaged or stolen from your house or car, having these insurance policies will cover you. Keep in mind that while these policies should cover you in these events, they may not cover for the full value amount of your items. This is why you should look at special policies that cover the full value of special items such as jewelry, furs, and antiques. You will usually find these special policies as floaters or insurance riders.
Pools are the number one way to get away from the heat in the summer where you can relax cool off by the water. However, they are the cause of many injuries and sometimes death during these warm months. With the known risk of having a pool, homeowners should expect your homeowners’ insurance will rise when you add a pool to your property. The great thing is that there are a ton of policies out there to cover pools so it will be easy to find insurance for it. While most homeowners policies cover pools and hot tubs, be sure to read over yours in the event you have to find a policy for your pool on the side. One route you can take is if you grab an umbrella insurance policy to encompasses anything your regular insurance policy may not cover which in this case could be pools and hot tubs.
Like with pools, trampolines are categorized as attractive nuisances and homeowners will need to get extra protection if they plan on having a trampoline. The big difference between pools and trampolines is that injuries caused by trampolines are more frequent to happen which is why some insurers refuse to cover them. If they do, then you can expect to pay higher rates because of the high injury frequency. If anything, a standard umbrella policy should help you cover a trampoline.
As anyone knows, owning a boat is a huge investment as there are a lot of expenses that come with these luxury items such as gas and getting licenses. Another thing to keep in mind is the cost of repairs as well as making sure you and the boat are protected from injuries and damage. Sometimes, a standard homeowners policy will cover boats but not all of the time. This is why we recommend you look for an insurer that offers boat insurance as this policy specifically covers you and your boat from any injury or event you can think of.