As summer approaches in Connecticut, it’s the perfect time to review your insurance policies. The season brings increased outdoor activities, travel, and weather-related risks that can impact your home, auto, and umbrella coverage. A proactive insurance check-up ensures you’re adequately protected against potential summer hazards.
1. Home Insurance: Safeguarding Against Summer Hazards
- Pool Safety: Pools are a summer staple but come with increased liability risks. Ensure your homeowner’s policy covers pool-related incidents and meets safety requirements like fencing and locked gates.
- Storm Preparedness: Summer storms can cause significant damage. Verify that your policy includes wind, hail, and water damage coverage. Consider adding flood insurance if you’re in a high-risk area.
- Outdoor Structures: Review coverage for decks, patios, and other outdoor additions, especially if you’ve made recent upgrades.
2. Auto Insurance: Ready for Road Trips and Increased Travel
- Coverage Review: Summer road trips mean more time on the road. Ensure your auto insurance covers long-distance travel and check if it extends to rental vehicles.
- Theft Protection: Vehicle thefts often rise in summer. Confirm that your comprehensive coverage protects against theft and vandalism.
- Emergency Services: Consider adding roadside assistance to your policy for peace of mind during travels.
3. Umbrella Insurance: Extra Liability Coverage for Summer Activities
With increased gatherings and activities, umbrella insurance provides an additional layer of liability protection beyond standard home and auto policies. It’s especially beneficial if you own a pool, host large events, or have teenage drivers.
Summer’s unique activities and risks make it an ideal time to reassess your insurance coverage. By reviewing and updating your home, auto, and umbrella policies, you can enjoy the season with confidence, knowing you’re well-protected against potential mishaps.