Professional Insurance Programs

Stay Covered and Safe: Essential Summer Insurance Tips for a Worry-Free Season

As summer rolls in, bringing with it long sunny days and a calendar full of outdoor adventures, it’s time to consider more than just your travel plans and sunscreen. Summer is a season of increased activity, and with that comes a higher risk of accidents, property damage, and other insurance-related issues. Here’s a guide to ensure you’re fully protected and can enjoy a worry-free summer.

  1. Home Insurance: Prepare for Summer Storms and More

Why It Matters: Summer storms, hurricanes, and wildfires can cause significant damage to your home. With climate change making weather patterns more unpredictable, it’s crucial to review your home insurance policy.


  • Update Your Policy: Ensure your coverage limits are up-to-date, especially if you’ve made improvements or renovations to your home recently.
  • Check for Gaps: Verify that your policy includes protection against common summer threats like flooding, wind damage, and fire.
  • Inventory Your Belongings: Document and appraise your valuables. This can be invaluable in the event of a claim.

Bonus Tip: Consider adding or updating flood insurance. Standard homeowner’s policies typically don’t cover flood damage, and summer often brings an increased risk of flash floods and heavy rainstorms.

  1. Auto Insurance: Safeguard Your Summer Road Trips

Why It Matters: With more people hitting the road for vacations, there’s a spike in traffic and, unfortunately, in accidents. Adequate auto insurance is essential for protection against mishaps.


  • Review Your Coverage: Ensure your liability, collision, and comprehensive coverages are sufficient. This is especially important if you’re driving in unfamiliar areas or on longer trips.
  • Rental Car Insurance: Check if your policy covers rental cars or if you need additional coverage for your vacation.
  • Emergency Roadside Assistance: Consider adding this to your policy if it’s not already included. Being stranded on a remote road during a summer trip is the last thing you want.

Bonus Tip: Take advantage of telematics or usage-based insurance programs offered by many insurers. These can offer discounts based on your driving habits, which is particularly beneficial if you’re planning a long trip with safe driving.

  1. Boat and Watercraft Insurance: Protect Your Aquatic Adventures

Why It Matters: Summer is prime time for boating, jet skiing, and other water activities. Just like your car, your boat or personal watercraft needs insurance to cover potential accidents or damage.


  • Ensure Proper Coverage: Check that your policy covers not just damage to the boat but also liability for injuries or damages to others.
  • Seasonal Policies: If you only use your boat during summer, consider a seasonal policy to save money while ensuring you’re covered when you need it.
  • Safety Equipment: Keep your boat stocked with life jackets and emergency supplies to reduce risk and potentially lower insurance premiums.

Bonus Tip: Take a boating safety course. Some insurers offer discounts for completing these courses, and they can significantly reduce the risk of accidents on the water.

  1. Travel Insurance: Shield Your Summer Getaways

Why It Matters: Traveling, whether domestic or international, comes with its own set of risks. From flight cancellations to medical emergencies abroad, travel insurance can save you from unexpected expenses.


  • Comprehensive Coverage: Look for policies that cover a wide range of issues, including trip cancellations, medical emergencies, and lost luggage.
  • Read the Fine Print: Understand what your travel insurance policy covers. Some might not cover certain activities or destinations.
  • Cancellation Flexibility: Consider policies with “cancel for any reason” options, especially in the uncertain post-pandemic travel landscape.

Bonus Tip: If you’re planning multiple trips, consider an annual travel insurance policy. It’s often more cost-effective and ensures you’re covered all year round.

  1. Personal Liability Insurance: Guard Against Summer Mishaps

Why It Matters: Summer is the season for BBQs, pool parties, and backyard fun. Increased social gatherings at home can lead to more opportunities for accidents and liability claims.


  • Umbrella Policy: This provides extra liability coverage beyond your standard home and auto policies. It’s a cost-effective way to increase your protection.
  • Pool Safety: If you have a pool, make sure it’s adequately fenced and that you have clear safety rules. This can reduce the risk of accidents and potential liability.
  • Pet Insurance: If your summer includes pets and they’re part of your outdoor activities, consider pet liability insurance, especially if you’re hosting gatherings where they interact with guests.

Bonus Tip: Consider personal injury coverage as part of your umbrella policy. This covers lawsuits related to libel, slander, and other personal disputes that might arise, giving you peace of mind during social interactions.

Summer should be a time of relaxation and fun, not worry. By taking a proactive approach to your insurance needs, you can ensure that you’re covered for all the season’s adventures and potential risks. Review your policies, make necessary updates, and consult with your insurance agent to fill any gaps. With these steps, you can enjoy a carefree summer knowing that you’re protected against the unexpected.

Need Help Reviewing Your Coverage?

At Professional Insurance Programs, we specialize in tailoring insurance policies to fit your unique needs. Contact us today to schedule a comprehensive review of your insurance coverage and ensure you’re fully prepared for a safe and enjoyable summer.