Insurance tips
There’s nothing quite like the feeling of summer. Fresh air, fun on the water, or dusting off the classic car that has been covered all winter. Whatever summer means to you, make sure you are covered for any mishaps that might take place; the last thing you want is to cut your fun short due to an ill-prepared insurance policy.
Here’s what you need to know to ensure your peace-of-mind this summer:
Vacation Planning
If you are one of the lucky ones to have a home-away-from-home, make sure that you are covered with adequate insurance on both properties. Insurance policies may be void for properties that stay vacant for a short period of time (which varies by policy) without adequate supervision.
Home Rentals
If you have a property you plan to rent out, connect with your insurance provider to ensure you have the coverage necessary for third-party occupants. Your homeowner’s insurance policy may not be enough. You’ll want to let your insurance provider know the duration of the rental period and any other risk factors. Don’t assume that those renting your home have insurance covered.
Auto Rentals
Looking to rent something a little bit more fun to drive for that long weekend getaway? Before you purchase additional insurance from the rental company, check your own auto insurance policy as well as your credit card agreement. You might have existing coverage that will negate needing to spend the extra money. You’ll need that for gas!
Seasonal Insurance
Perhaps you are lucky enough to have a summer vehicle such as a boat, motorcycle or classic car (we can all dream). Our recommendation is that you carry insurance for your seasonal toys all year long because accidents happen, even in storage. If you are looking for seasonal coverage, make sure that you go with an expert in the type of vehicle you are looking to insure. Not all policies are created equally, so you’ll want someone with experience in your unique “toy.” Our team at E&Y Agency Inc. has a wealth of experience and we can fit you with the right person from the start.
Pool Safety
Your homeowner’s policy may not cover a pool, hot tub or spa. Regardless of type, if you have a water feature in your backyard (larger than a bird bath), talk with your insurance provider or broker about what coverage you need. We recommend making the call before you start digging or assembling. You’ll want to make sure all costs and safety factors are covered before you start.
Fire Safety
What is summer without fireworks, campfires, backyard fire pits, s’mores…? While these are the quintessential elements of summer fun, they do carry risk. It is up to you to ensure you are covered for any mishaps related to a fire. Take time to understand how you can minimize your risk with fire safety tips… there are many online forums dedicated to this one topic. Be safe and have fun!
In all cases, it’s important to educate yourself on your local by-laws and rules surrounding summer fun. The more you educate yourself on risk, the more you can enjoy your summer with the peace-of-mind that if an accident does happen, you’ll be covered. Let’s talk.
About E&Y Agency
E&Y Insurance Agents are dedicated to giving our clients insurance products that provide quality protection and value pricing. Our goal is to establish a successful partnership with our clients, our staff members, and our insurance companies. Our success is measured by our clients choosing us because they believe in our ability to meet or exceed their expectations of price, service, and expertise. Find us, contact or call us now at (248) 671-6860 to talk about your insurance needs!
