Essential Summer Insurance Policies for Peace of Mind

As summer approaches, many of your clients are eagerly planning vacations, prepping for outdoor adventures, and organizing home maintenance projects. These activities come with their unique set of insurance needs that might not be immediately obvious. It's an ideal time for clients to review their policies to ensure they're covered for the unexpected. Proactively adjusting coverage can prevent costly surprises and minimize risks associated with overlooked gaps.

Recreational Vehicles (RVs, ATVs, etc.)

For clients who have recently purchased or upgraded a recreational vehicle like an RV or ATV, additional coverage may be necessary. With summer adventures come unique risks, making it important to review liability and accident protection. Consider discussing optional add-ons such as roadside assistance or expanded liability coverage to offer comprehensive protection.

Homeowners and Storm Protection

Many clients might not realize that their standard homeowner's policy might have limited debris removal coverage. Clients with large trees or extensive landscaping are advised to review their storm-related coverage. Summer storms can lead to unexpected damage, and being prepared with timely policy updates is essential for peace of mind.

Auto Insurance

For clients bringing vehicles out of storage, it’s crucial to confirm the necessary liability, comprehensive, and collision coverage. An increase in summer driving and road trips often requires updated policies. Remind clients to verify that all drivers are listed on the policy to ensure comprehensive coverage during travel.

Boats and Watercraft

Clients should ensure their boat’s full value is covered, especially if there have been recent upgrades or additional equipment purchases. It’s important to verify liability limits and confirm that safety and maintenance procedures are in place. Additionally, address potential policy gaps like coverage for guest operators or towing protection to avert any unexpected costs.

Encourage clients to take a proactive approach to their insurance needs by reviewing their summer policies now. A simple policy check can prevent costly surprises and provide peace of mind during the season.