Whether you plan to take the summer off or your business is entering one of its busiest seasons, both individuals and business owners must protect themselves against unforeseen hazards that arise when the weather gets warmer. There are common insurance needs in the summer months that should be considered in the interest of mitigating risk and protecting your business and other valued assets from costly damage or claims.
At Doeren Mayhew Insurance Group, we have the expertise to help you reevaluate your existing policies or to deliver new insurance solutions that offer protection against common seasonal claims that may be related to things like summer storms, road trips, outdoor play, enjoying time on the water, and renting out your home.
Read on to learn more about common insurance needs during the summer months to ensure that you have adequate coverage for wherever your summer adventures may take you.
Flood Insurance
Summer storms can cause major flooding during the warmer months. Because standard homeowners’ insurance policies do not cover damage caused by flooding, one of the most popular insurance needs in the summer months is supplemental flood insurance.
Auto Insurance
Considering a road trip or planning to rent a car while on vacation or a work trip this summer? Comprehensive auto coverage is especially important in the summer to protect against any number of auto-related damages or claims. In reviewing your existing auto insurance policy with your trusted insurance broker, you can ensure you have the right coverage for liability claims, medical costs, and theft from the vehicles that you or your employees will be operating this summer.
Boat and Watercraft Insurance
If you love being on the water for day-long fishing trips or relaxing rides on the lake with family and friends, you’ll want to protect your boats, jet skis, and other watercraft with proper insurance coverage. Talk to your trusted insurance broker about your options in insuring your water vehicles ahead of costly liability claims, mechanical breakdowns, and damage from storms, vandalism, or collisions.
Liability Coverage
From swimming in pools to jumping on trampolines, outdoor play increases during the summer months and so does the risk of accidents. Taking safety precautions like never letting children swim or play unattended and building gates around these play areas are important. But it’s also essential to ensure adequate liability coverage or umbrella insurance as part of your homeowners’ policy in the event that something goes wrong.
Short-Term and Long-Term Rental Insurance Coverage
If you plan to rent out your primary residence or vacation home this summer, you should consider added protection. Adding a rider to an existing insurance policy and purchasing a business or landlord policy are just some of the ways you can protect against claims related to property damage, personal property theft or damage, or other costly events when renting your property.
At Doeren Mayhew Insurance Group, we will guide you through the process of selecting the right insurance coverage to protect you or your business from seasonal claims that arise in the summer months. Contact us today to schedule a consultation and learn how we can safeguard your financial stability in the face of unforeseen risks this summer.