Summer Insurance Tips

Americans take advantage of school holidays and the bountiful sunshine that summer brings. It is the time of the year to book a holiday, take an interstate road trip to see a family member, or invite friends for a pool party.

Unfortunately, when everyone loses their guard, the risk of accidents increases—for instance, homeowners risk being sued for fall injury when they allow multiple people on their property. Similarly, many teen drivers are on the road, increasing the likelihood of car crashes.

Even so, you can reduce your risk profile by acquiring a suitable insurance cover from a trusted insurance agency in Northridge, CA.

Common Insurance Needs During Summer Months

Travel Insurance

If you’ve been planning a summer trip to the Middle East, you can avoid an incident at home ruining your vacation. Consider buying a travel insurance plan that can complement your current coverage.

Your home insurance coverage may reimburse you if you lose luggage overseas. Discuss your health, vehicle, and property insurance with an experienced travel insurance provider to understand which coverage may or may not continue during your vacation.

Liability Coverage

Whether your kids are playing outdoor sports or enjoying the trampoline, the risk of accidents is high. Although you can minimize the risk of injuries through close supervision, you can minimize your exposure by acquiring umbrella insurance or enhancing your liability coverage.

For instance, you can obtain supplemental coverage to your homeowners’ insurance plan, providing additional coverage when the initial limit is exhausted.

In addition to summer-related risks, people who fall in the below categories should consider buying the umbrella coverage:

• Property owners without security systems
• People who frequently host guests in their properties
• People who own pets or dogs that are known to be dangerous
• Guardians and parents of teen drivers
• People who own boats and recreational vehicles

Boat Insurance Coverage

Consider boat insurance coverage during summer to protect yourself against unexpected losses that can cause you financial ruin.

Some of the elements covered by boat insurance include:

• Theft
• Bodily injury
• Storm damage
• Accident
• Fire damage.

With suitable coverage, boat insurance will cover medical bills for you, your guest, and other parties involved in the incident.

Comprehensive Auto Insurance

Consider acquiring comprehensive auto insurance coverage if you plan to embark on a road trip or rent out a car during vacation. The comprehensive coverage will protect you against several auto-related damages or claims.

You can review the existing coverage to ensure you have the right coverage for medical costs, liability claims, and theft incidents for the vehicle you’ll be operating during the summer.

Speak to an Experienced Insurance Agency to Minimize Your Summer Risk Exposure

You may be liable if a friend sustains a back injury due to a defective seat in your backyard. The court may compel you to pay damages to cover medical expenses, lost wages, and other injury-related expenses incurred by the victim.

Consider speaking to an experienced agency like Panorama Insurance Agency, which has 50 years of experience managing clients’ risk exposure.

Contact us online or call us at 818.579.9663 to request a free quote.