We prepare for Summer in several ways. Wrapping up our school year, planning our vacations, buying the sunscreen, firing up the grill… But what about some of the most critical preparations you can consider? Your insurance needs. Safety doesn’t take a summer break! But it’s easy to forget its considerations when your out of office sign goes up. Let us do the thinking for you. Here are a few insurance considerations as we head into sunnier days.
Diving In to Liability
Does your home have a pool? You may not have considered the increased liability it brings to you as the owner.
Many typical homeowners insurance policies may not provide enough coverage, or could even outright exclude pools in your policy.
You also may want to consider the addition of an umbrella policy. This increases your liability coverage and protects you from any mishaps that may occur in or around your pool.
Watercrafts Aren’t All Fun
Buying a boat or other water craft this summer? Renter’s insurance could cover your purchase in some circumstances. However, others require a separate marine policy. For example, faster watercraft such as large boats or jet ski’s carry higher liability and therefore have different coverage needs.
Similar to auto-insurance, your premiums will depend on your record, history, location, and the type of watercraft you’re protecting.
Ask your insurance agent about a policy that will also provide coverage in the event that your watercraft is lost or damaged. Effective policies will also include coverage in the event there are legal costs or injuries to others.
Dusting Off Your Ride
Rolling out your motorcycle now that the sun’s shining? Did you know liability coverage is required for motorcyclist? These policies control for property damage and bodily injury in the event of an accident.
Ask your agent about a “lay-up” policy. This type of coverage allows you to suspend coverage for parts of the year that your motorcycle is not in use. Again, the premiums on this policy will be similar to auto-insurance in that your record, type of bike, age and location will affect your rates.
Talk to an Expert
We realize that all of the details can be overwhelming. You want to make sure that you have the right coverage, the right agency, the right agent.
At Henry Insurance Service, we’re here to do what our last name says- serve you. We want to help you find the right insurance policy for your needs. We always say that one size does not fit all, which is why we represent a number of leading insurance companies. These alliances work with our staff to guarantee that we can tailor a custom plan for your need so you can enjoy the summer days even more. You can reach us at 225-927-0451.
