Summer is the perfect time for fun, adventure, and making memories, but it’s also a season when your insurance needs can shift. Whether you’re hitting the road, heading to the lake, or hosting the neighborhood BBQ, it’s important to make sure you have the right protection in place.
Here are some common summer activities that may require a closer look at your coverage:
Boating and Jet Skiing. If you’re taking a boat, jet ski, or other personal watercraft out on the water, don’t assume your homeowners or auto policy covers you.
- Watercraft insurance can protect against damage, theft, and liability.
- Coverage needs vary based on boat size, type, and where it’s used.
- Don’t forget about trailer coverage if you’re towing!
Road Trips in an RV or Camper. Planning to travel in an RV or motorhome? Your standard auto insurance may not be enough.
- You may need specialized RV insurance that covers personal belongings, attached accessories, and campground liability.
- Rental RVs also require special attention—make sure you’re covered through the rental agency or your own insurer.
Short-Term Rentals or Airbnb Hosting. Thinking of renting out your home, cabin, or vacation property for extra income?
- Your homeowner's policy may exclude coverage for short-term rentals.
- Consider landlord or vacation rental insurance to protect against property damage and guest liability.
ATVs, Dirt Bikes, and Off-Road Fun. Summer off-roading is a blast—but it’s risky business.
- Recreational vehicle insurance is often required and typically not covered under homeowners or auto policies.
- Liability protection is a must in case of injury or damage to others.
Swimming Pools and Trampolines. These backyard favorites bring fun and risk.
- Adding a pool or trampoline may require a policy update and safety features like fencing.
- Consider increasing your liability coverage or adding an umbrella policy.
Parties and Gatherings. Hosting a summer BBQ, graduation party, or family reunion?
- If someone gets injured on your property or if there's property damage, you could be liable.
- Your homeowner's liability coverage may be enough, but check your limits.
- An umbrella policy offers added protection, especially for larger events.
Before you dive into your summer plans, talk to your insurance advisor. At DGK Insurance, we’ll help you review your coverage and make sure you're protected, so you can enjoy summer with confidence.