Are you insured for summer?

"A perfect summer day is when the sun is shining,
the breeze is blowing, the birds are singing, and
​the lawn mower is broken.”

—James Dent

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​Memorial Day marks the start of the summer travel season. From cross-country road trips to surfing at the beach, summer likely means fun travel and outdoor activities. However, even carefully planned trips can be disrupted by unforeseen incidents. Extreme sports, boating, and even pool parties – all carry some risk and liability.

All-terrain vehicles are typically not covered by homeowners or standard automobile insurance policies. For an affordable price, we can help you find a separate ATV policy, review age restrictions, and determine if the policy covers friends and family.

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A ​boat insurance policy provides liability coverage in case someone is injured on your boat. It also covers bodily injury inflicted on others as well as property damage to your boat. Personal watercrafts, such as jet skis, often require a separate policy.

So​me companies may not insure your property if you own a pool, or there may be exclusions for liability and related injuries. Your insurance company may also deny coverage or cancel your policy if you do not follow the policy’s safety guidelines or fail to inform them when you build a pool. Consider adding an umbrella policy to increase your liability coverage.

​Whether you’re leaving home for a weekend getaway or a long road trip, be aware of what your policy covers while you’re away. Typically, your homeowners insurance will follow you, protecting you even while you’re not at home. Off-premises coverage means your belongings are covered anywhere in the world. If you’re staying at a hotel and your belongings are stolen, your policy will provide coverage, but the exact coverage depends on your specific policy. If you are traveling with high-priced items, it’s a good idea to insure them separately.

Not sure what your coverage is for summer travel? Give us a call and we’ll review your policies and help you fine tune coverage for your family and your business. 201-796-1881

Have a safe Memorial Day and enjoy your summer travels!