During the spring and summer, you’ll probably spend quite a bit of time outside enjoying the warm weather and sunshine. Popular springtime activities sometimes lead to serious accidents and injuries. That’s why now is a good time to review your insurance coverage and figure out if you need to make any changes.
Auto Insurance
Whenever you drive, there’s a chance that you could get into an accident. In the spring and summer, there tend to be more pedestrians and cyclists on the roads than during other times of the year. You might also cross paths with animals while you’re driving.
Make sure that your car insurance policy has adequate liability coverage. You might want to include comprehensive coverage in your policy in case you hit an animal and your vehicle gets damaged.
Boat Insurance
If you own a boat and you cause an accident, your boat insurance policy can cover the cost of property damage and medical bills. Look over your insurance policy and make sure that you have enough liability coverage. If you don’t, raise your limits so you won’t have to worry about getting sued if you cause an accident.
Homeowners Insurance
Your homeowner’s insurance policy can protect you financially if a friend or family member gets hurt on your property. Since spring and summer are popular times for parties and barbecues, it makes sense to review your homeowner’s coverage now and make sure that it fits your needs.
Be Proactive to Minimize the Risk of an Accident
Having the right insurance coverage can protect you if an accident occurs, but you can also take steps to prevent an accident from happening in the first place. When you participate in outdoor activities, take precautions to keep yourself and others safe.
Before you set out on a trip, make sure that the tires on your vehicle are in good condition and inflated to the correct pressure. Obey the speed limit, don’t drink and drive, and avoid distractions, such as talking on your phone or texting while driving.
If you plan to use a boat, review safety procedures and consider taking a refresher course. Don’t allow anyone who has been drinking to operate a boat. Make sure that you have life jackets in the vessel and that people use them.
If you’re planning to host a party, go through your house and yard and look for safety hazards, such as damaged steps and loose railings. If you discover a problem, get it repaired before you have guests over.
Review Your Insurance Coverage
You should periodically review all your insurance policies and figure out if you need to raise your coverage limits or make other changes. The team at Petruzelo can help. We can discuss your current coverage, get you quotes from top insurance carriers, and find out if you can save money by bundling two or more policies. Contact us today to learn more.