Summer is near! With the start of a new season, you may be looking forward to the activities that are typically enjoyed during the summer season. Whether you plan to take road trips, use your dirt bike or ATV, swim at your home or spending time on your boat, you may wait all year to enjoy these activities to the max.
Before summer season officially kicks off, it may be a nice time to discuss your insurance coverage for the most common summer activities.
Road Trips
If you plan to rent a car, it is important to understand what your personal auto insurance covers and what it doesn’t cover. If you aren’t sure, speak with an agent in our office. If your personal auto insurance policy contains comprehensive and collision coverage you can typically transfer that coverage to a temporary replacement like a rental vehicle.
One coverage you would be missing is loss of use coverage. If you get into an accident in the rental car, the rental car agency can charge you for loss of use while their vehicle is being repaired. You can purchase coverage for this through the rental agency.
If you only carry a liability policy on your personal auto insurance policy, you may have to purchase additional coverage to simply rent the car from the rental agency. Collision and comprehensive coverage will cover damages to the rental vehicle and are required to rent a car. If your policy doesn’t contain these coverages, you’ll need to purchase them from the rental agency.
Dirt Bikes, ATV, Boats, Electric Bikes and More
Some people wait all year to use these summer toys. These vehicles should have their own insurance policy and we can help you find affordable coverage.
Protecting yourself with an insurance policy that is specific to the vehicle you’re driving is important as you cannot rely on your insurance coverage from your home insurance, renters insurance or auto insurance policy if you get into an accident or injure someone while operating one of these vehicles.
Other Summer Activities
If you like to host parties at your home, are throwing a large event this summer like a wedding or your kids like to have their friends over to swim, you should know these activities can increase your risk for a liability claim.
Talk to an agent in our office about special event insurance policies for things like baby showers, bah mitzvahs, birthday parties and weddings. This is also a great time to discuss our next topic: Umbrella Insurance.
Umbrella Insurance
Purchasing an umbrella insurance policy offers you above and beyond insurance protection on your vehicle and homeowners policies all at an affordable price. Accidents happen and the total damage can add up quickly, exhausting your limits on your vehicle or home insurance policy.
Umbrella insurance offers another layer of protection if this happens. Talk to us about your insurance options. There are countless scenarios where this coverage can save you hundreds of thousands of dollars.
Contact Our Agency for an Insurance Review
It’s our job to help ensure you have the best insurance coverage for your needs. Give us a call if it is time to review your auto, home, umbrella or specialty vehicle insurance.