Do You Have the Summer Insurance Checklist?

When summer rolls in, so do new adventures—and new risks. Between weekend road trips, backyard barbecues, and boating on the lake, summer fun can quickly turn into financial stress if you're not properly insured. That’s why now is the perfect time to review your coverage with this simple seasonal insurance checklist.

Here’s what every homeowner, driver, and adventurer should double-check this June:

✅ 1. Homeowners Insurance: Fire, Theft, and Storm Coverage

Grilling season brings increased fire risk. Summer storms can also cause damage from wind, rain, or fallen trees. Make sure your policy:

• Covers accidental fire damage, including outdoor kitchens and grills

• Includes replacement value for personal property

• Provides storm and wind damage protection

• Reflects any recent home upgrades or renovations

  
  

If you’ve installed a new deck or added a pool, it’s time to update your coverage.

✅ 2. Auto Insurance: Ready for the Road Trips?

Summer means more time behind the wheel. Whether it’s a trip to the beach or just more time on the road with kids out of school, make sure you have:

• Adequate liability coverage (beyond the minimum)

• Collision and comprehensive coverage for newer vehicles

• Roadside assistance for breakdowns away from home

• Rental reimbursement if your car ends up in the shop

  
  

Pro tip: Ask your agent about safe driver and bundling discounts—it might be time to save.

✅ 3. Boat, RV, and Recreational Vehicle Coverage

If your summer includes lakes, trails, or cross-country trips, your insurance should follow you.

• Don’t assume homeowners insurance covers your boat or ATV

• Get specific policies for boats, jet skis, campers, and RVs

• Look for coverage that protects against theft, collision, and liability

  
  

Make sure all recreational vehicles are registered, insured, and ready for fun—not fines.

✅ 4. Flood and Storm Insurance: The Hidden Summer Threat

June kicks off hurricane season and brings a higher chance of flash flooding in many regions.

• Standard homeowners insurance does not cover flood damage

• Consider a separate flood insurance policy (especially in flood-prone zones)

• Review your deductible and understand what’s excluded

  
  

Even if you’re inland, summer storms can bring heavy rains and roof damage—don’t wait until it’s too late.

✅ 5. Umbrella Liability Insurance: More Protection, Just in Case

Hosting summer parties? Swimming pool on the property?An umbrella policy provides extra liability coverage in case someone gets hurt on your property or you’re found at fault in an accident. It’s an affordable way to add peace of mind for families who entertain.

Stay Ahead of the Season

Insurance isn’t one-size-fits-all. As the seasons change, so do your risks—and opportunities to stay protected. If you’re not sure whether your current policies match your summer lifestyle, let’s talk. We’ll help you build a personalized plan that covers what matters most.

Need a Coverage Check-Up?

Schedule a free policy review with our team today. We’ll make sure your summer insurance checklist is complete so you can focus on making memories—not claims.