Summer Insurance Tips: How to Stay Protected During the Hottest Season of the Year

Summer is a time for vacations, barbecues, road trips, and backyard fun—but it also brings unique risks that many people don’t think about until it’s too late. From weather-related damage to increased driving and travel, summer activities can affect your insurance needs in more ways than one.

Here’s how to make sure your home, car, and family are protected during the summer months:

1. Storm Season Can Wreak Havoc on Homes

Summer means longer days and sunnier skies—but it’s also peak season for severe storms in many parts of the country. Hail, high winds, and flash floods can cause major damage to roofs, siding, windows, and more.

Tip:
Review your homeowners insurance policy to make sure you’re covered for:

• Wind and hail damage

• Water damage (from rain or flash flooding)

• Temporary living expenses if your home becomes uninhabitable

Bonus tip: Flooding is not typically covered under standard homeowners insurance. You may need a separate flood insurance policy, especially if you live in a high-risk area.

2. Backyard Fun = Added Liability

Pools, trampolines, and outdoor entertaining are part of summer fun—but they can also increase your liability risk. Accidents happen, and if someone is injured on your property, you could be held responsible.

Tip:
Check that your liability coverage is sufficient. If you own a pool, consider adding an umbrella policy for extra protection beyond your standard homeowners limits.

Also:

• Always supervise children around pools or trampolines

• Install safety gates and signs where appropriate

3. More Driving Means Higher Auto Risk

Between family road trips, weekend getaways, and teen drivers on break from school, summer sees an uptick in driving—and unfortunately, also in accidents. According to the National Highway Traffic Safety Administration, July and August are among the deadliest months on the road.

Tip:
Make sure your auto insurance policy includes:

• Comprehensive and collision coverage (especially if you're taking long trips)

• Roadside assistance

• Uninsured/underinsured motorist protection

Before a road trip, inspect your tires, brakes, and fluids—and make sure your insurance ID card is up to date.

4. Vacation and Travel Insurance Can Save the Day

Planning a big vacation? Airline cancellations, lost luggage, and unexpected emergencies can turn a dream getaway into a financial headache.

Tip:
Look into travel insurance that can cover:

• Trip cancellations or delays

• Medical emergencies abroad

• Lost or stolen baggage

Many policies are affordable and can be purchased just for the duration of your trip.

5. Protect Summer Toys: Boats, RVs, Motorcycles

Summer is peak season for recreational vehicles—but is your insurance keeping up? Your standard auto or homeowners policy probably doesn’t cover these.

Tip:
Make sure you have separate policies or riders for:

• Boats and jet skis

• RVs and campers

• Motorcycles and ATVs

Proper coverage protects your investment, passengers, and liability in case of an accident or theft.

Stay Cool and Covered This Summer

Insurance may not be the most exciting part of your summer plans—but it’s one of the most important. Taking a few minutes now to review your coverage can help you avoid costly surprises later.

Need help checking your policy or exploring seasonal coverage? Contact us today—we’re here to help you enjoy summer with peace of mind.