The Summer Insurance Checklist You Didn’t Know You Needed

Summer is one of our favorite times of year—sunshine, road trips, backyard barbecues, long lake days. But as much as we all look forward to this season, it also brings a few insurance curveballs that many people don’t see coming.

We’ve seen too many situations where summer fun turned into unexpected stress because of a simple coverage gap. That’s why we wanted to share a few common summer scenarios that are definitely worth reviewing in your policies.

Here are five things to double-check before you dive into summer:

🚗 1. Vacation Gone Wrong Headed out of town? If your luggage is stolen from your car or your Airbnb is broken into, would you be covered? It depends. Your personal property coverage might extend to off-site incidents—but there are limitations. We can help you sort through the fine print before you pack your bags.

🏊 2. Pool Party PitfallsIf someone gets hurt in your yard—whether it’s a slip by the pool or a trampoline accident—you could be held liable. Let’s make sure your homeowners insurance includes enough personal liability coverage to protect you and your guests.

🎇 3. Fireworks & LiabilityFireworks are festive… until they’re not. If one goes rogue and damages a neighbor’s fence or worse, your policy might not cover it—especially if fireworks are restricted in your area. We can walk you through what’s included and what’s not.

🚤 4. Are Your Summer Toys Actually Covered?Boats, jet skis, RVs, side-by-sides—your summer toys aren’t always covered by homeowners or auto insurance. We’ll help you figure out if your current policies are enough or if it’s time to look at additional coverage.

🌡️ 5. Heatwave HavocExtreme heat can cause issues like warped roofing, fried A/C units, or appliance failures. Not every policy includes protections for this kind of wear and tear, so it’s a good idea to review your home coverage as temperatures rise.

Let’s Make Sure You’re Covered for All the Summer Things

We’re here to help you enjoy the season without worry. Whether you’re hitting the road, hosting the block party, or just soaking up the sun in your backyard, we want to make sure your coverage is working as hard as you are.

🧾 Not sure where to start? Reach out and schedule a policy review with us—we’ll walk through everything with you and help spot any potential gaps before they become problems.

Click here to schedule a policy review

Here’s to a safe, sunny, and well-protected summer. ☀️