As summer approaches, many families begin planning vacations, opening pools, scheduling home projects, and bringing recreational vehicles out of storage. While you’re preparing for a busy season, it’s also a smart time to review your insurance coverage.
A quick early summer check can help you avoid surprises and make sure you’re protected before the season gets into full swing.
Your Home and Property
Summer often brings changes around your home that can impact your coverage. Consider whether you’ve recently:
- Opened or installed a pool
- Added a trampoline or play equipment
- Built or expanded a deck or patio
- Purchased new outdoor furniture or equipment
- Installed a shed or detached structure
These additions can increase both the value of your home and your liability exposure. Updating your policy ensures you’re properly protected.
Seasonal Vehicles and Recreational Equipment
Warm weather often means pulling summer toys out of storage. Make sure everything is properly insured before use:
- Boats and Personal watercraft
- Motorcycles
- ATVs or UTVs
- Campers and RVs
- Golf Carts
- E-Bikes or Scooters
Many of these items require separate coverage, and homeowners policies typically provide limited protection.
Travel Plans
If you’ll be traveling this summer, your coverage should reflect that. If you’ll be away from home for extended periods of time, it is smart to confirm your homeowners policy provides adequate protection while you’re gone. You may also want to consider coverage for valuables you’re taking with you. Planning ahead helps ensure your trip stays stress free.
Consider Additional Liability Protection
Summer often means you are hosting gatherings, having guests around your pool, lending recreational equipment, or an increase in outdoor activity. An umbrella policy can provide an extra layer of protection above your home and auto coverage.
Summer should be about enjoying time with family and friends. A quick coverage review now can help you head into the season with confidence.
Have questions or want to review your coverage? Contact Gannon Associates Insurance at 844-GANNONS or email us at learnmore@gannonassociates.com. Our team is here to help you prepare for a safe and protected summer.
