As summer approaches, clients are preparing for vacations, outdoor adventures, and home maintenance. These seasonal changes bring unique insurance needs that many clients may not have considered. Here’s a guide to key summer policies that can protect homes, vehicles, and recreational assets, ensuring peace of mind during the sunny season.

Recreational Vehicles (RVs, ATVs, etc.)

Clients who have purchased or upgraded recreational vehicles such as RVs and ATVs may require additional coverage. Summer adventures bring unique risks, so encourage them to review their liability and accident protection. Discuss optional add-ons, such as roadside assistance or expanded liability coverage, to increase safety and peace of mind.

Boats and Watercraft

Ensure clients have coverage for their boats' full value, including recent upgrades and additional equipment. It’s crucial to verify liability limits and confirm proper safety and maintenance procedures. Address potential policy gaps, such as coverage for guest operators or towing protection, to prevent costly surprises on the water.

Homeowners and Storm Protection

Summer storms can lead to unexpected damage — it's essential to remind clients of their need for storm protection. Many might not realize that standard policies offer limited debris removal coverage. Those with large trees or extensive landscaping should review their storm-related coverage to ensure preparedness and early policy updates.

Auto Insurance

Many clients will be bringing vehicles out of storage for the summer. They need to confirm they have the correct liability, comprehensive, and collision coverage. Increased summer driving and road trips may require updated policies, so remind clients to verify all drivers on the policy to ensure proper coverage.

Encourage clients to take a proactive approach to their insurance needs by reviewing their summer policies now. A simple policy check can prevent costly surprises and provide peace of mind during the season.