Risk: Dry, hot conditions increase wildfire threats.
Insurance Tip: Ensure your homeowner’s policy covers fire damage, including additional living expenses (ALE) if you need to evacuate.
2. Storms & Hurricanes
Risk: Summer storms can bring hail, flooding, and wind damage.
Insurance Tip: Review your home and auto policies for comprehensive storm coverage. Consider flood insurance—standard homeowners policies don’t cover flood.
3. Swimming Pool Liability
Risk: Pools increase the chance of injuries or drowning.
Insurance Tip: You may need higher liability limits or an umbrella policy. Ensure fences, gates, and covers are in place and secure.
4. Boating Accidents
Risk: Boating increases in summer, so do accidents and liability claims.
Insurance Tip: Boat insurance is essential. Check coverage for damage, theft, liability, and medical payments.
5. Backyard Entertaining & BBQ Fires
Risk: Grills and fire pits cause thousands of fires annually.
Insurance Tip: Confirm dwelling and personal property coverage. Umbrella liability coverage adds peace of mind.
6. Theft & Break-Ins
Risk: Summer vacations leave homes vacant and vulnerable.
Insurance Tip: Document belongings for personal property claims. Use smart home security and tell your insurer—discounts may apply.
7. Teen Drivers & Road Trips
Risk: More young and inexperienced drivers on the road.
Insurance Tip: Revisit your auto policy to ensure appropriate liability limits. Consider usage-based insurance (UBI) for discounts.
8. Travel & Vacation Cancellations
Risk: Delays, cancellations, and medical emergencies.
Insurance Tip: Consider travel insurance—look for policies that cover trip interruption, delays, medical, and evacuation.
🧾 Bonus Tips:
Umbrella Insurance: Offers extended liability protection for pools, boats, and more.
Home Inventory: Update photos and receipts of valuables for easier claims.
Check Your Deductibles: You may be responsible for a higher share in summer-related events.
