Summer is here!! Your plans are likely to include more travel and outdoor excursions but safety does not take a summer break. It is important to evaluate your insurance needs for the summer season to be sure you and your loved ones are covered in the event of a summer mishap.
Home and Property
Pools: According to the US Consumer Product Safety Commission, nearly 400 children under the age of 15 drown each year in pools and spas. When adding a pool or spa to your property you will need to bring your homeowners policy up to date, as they increase your liability risk.
Trampolines: Each year approximately 100,000 kids are injured on trampolines. Just like when adding a pool, if a trampoline is being used on your property, your homeowners policy will need to be brought up to date because of the increase in liability.
Personal Property: While on vacation, in most cases your homeowners policy will cover your personal property anywhere in the world, minus your deductible. This coverage does however typically come with a limit which is a percentage of the property you have coverage for. If you are traveling with high-priced items, it is a good idea to have separate coverage for these items.
Rental Cars: When renting a car the coverages and deductibles on your own car may apply to a rental. Call our office to find out what kind of coverage you may have. If coverage is not available through your current policy, consider purchasing the rental car insurance coverage that the rental company offers.
We sell watercraft insurance! When purchasing insurance for your watercraft your coverage cost will be determined by the type of watercraft you have, your boating background, and where you will use your watercraft. Your policy will provide coverage for bodily injury, property damage, liability, and theft.
Enjoy the thrills that come along with your ATV even more by knowing you are protected. ATVs are not covered by standard automobile policies, but your homeowners policy may partially cover liability. If you don’t have sufficient coverage on your homeowners policy you should consider a separate ATV policy. Be sure to ask about age restrictions on who can operate the ATV and if the policy covers friends and family.
Give us a call for all of your insurance needs, all year round!