Common Summer Insurance Claims and Tips to Avoid Them

As summer approaches, so do the joys of warm weather, vacations and outdoor activities. However, it’s essential to recognize that this season also brings specific risks that can lead to insurance claims.

It’s important to know common summer insurance claims and tips to help you avoid them.

Whether you’re firing up the grill, hitting the road or enjoying time by the pool, understanding these risks can protect you and your loved ones during the sunny months ahead.

Most Common Summer Insurance Claims

The following are common summer insurance claims and tips to avoid them:

• Outdoor fires—Grilling on a barbecue or sitting around a fire pit is enjoyable, but it can quickly become a disaster if not handled carefully. Gas grill fires are common causes of home fires. Leaks or breaks in gas grills can lead to flames. Keep grills away from flammable materials, never leave them unattended, and ensure you have proper liability and property coverage.

• Car accidents—Summer driving season (Memorial Day to Labor Day) is known as the “100 Deadliest Days” for teen drivers. Distractions like cell phone use and having peers in the car contribute to accidents. Talk to teen drivers about safe practices, do a maintenance check before trips, and verify your insurance coverage.

• Drownings—Hot weather draws people to swim, increasing the risk of drowning. If you have a pool, secure it with locked gates to prevent accidents.

• Boating accidents—Summer means more time on the water, but boating accidents can happen. Ensure proper boat insurance coverage and follow safety guidelines to prevent accidents.

• Home break-ins—Burglaries increase during vacation season when people are away. Install security systems, use timers for lights and ask a neighbor to keep an eye on your home.

Summer Insurance Considerations

Reviewing your insurance policies in summer is essential for the following reasons:

• Changing needs—Life is dynamic, and your insurance needs may evolve. Regular reviews allow you to assess your coverage and make necessary adjustments. If you have purchased a pool, trampoline or boat, you should ensure proper coverage.

• Outdoor adventures—Summer often involves outdoor activities like road trips and water sports. The right auto insurance can help ensure peace of mind on the road, protecting you from accidents or vehicle damage during your adventures.

• Vacations—Consider travel insurance for vacations. It can help cover unexpected expenses like trip cancellations, lost baggage or medical emergencies.

• Home protection—As temperatures rise, so does the risk of severe weather and property damage. Homeowners insurance safeguards your sanctuary, providing coverage for damages caused by fire, storms or other perils.

Contact INSANDTAGS.COM to review your insurance policies. We can make sure you have the proper insurance in place.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.