Summer Claims and Tips

Summer is a time for outdoor fun, but it also brings specific risks that can lead to insurance claims.

Understanding common summer insurance claims and policies, along with prevention tips, can help financially safeguard you and your family.

Whether you’re firing up the grill, hitting the road or enjoying time by the pool, understanding potential risks can protect you and your loved ones.

Common Summer Claims

The following are summer activities that can lead to insurance claims:

• Outdoor fires—Grilling and firepits are enjoyable but can be disastrous if not handled carefully. Gas grill fires often result from leaks or breaks. Regular maintenance and safe practices are crucial. Keep grills away from flammables, and never leave them unattended. Review your homeowners insurance for fire-related coverage.

• Road trips—Summer driving can be risky, especially for teen drivers. Distractions from phones and peer passengers can contribute to accidents. Talk to teen drivers about safe practices. For all ages, maintain your vehicle and be aware of road hazards. Review your auto insurance policy to ensure your coverage is current.

• Swimming—Hot weather draws people to pools and water, increasing drowning risks. Secure pool areas with locked gates to prevent accidents. Install safety features and educate family members about pool rules. Ensure your homeowners insurance covers pool-related incidents.

• Boating—Boating in summer is popular, but accidents happen. Capsizing, collisions and falls overboard are common. Follow boating safety guidelines, wear life jackets and avoid alcohol. Review your boat insurance to make sure you have sufficient coverage.

• Outdoor activities—High temperatures can lead to heatstroke, dehydration and other health issues. Stay hydrated, avoid excessive sun exposure and recognize heat-related symptoms. Health insurance coverage can be essential for managing medical expenses.

• Vacations—Burglaries increase during vacation season when people are away. Install security systems, use timers for lights and ask a neighbor to keep an eye on your home. You may want to review your homeowners insurance to ensure you have theft coverage. Additionally, consider travel insurance with coverage for medical emergencies, trip disruptions and unexpected events.

Insurance in Burleson, TX

Contact Lone Star Insurance Agency today to review your insurance policies. We can help ensure you have adequate coverage for all your upcoming summer adventures. We can also provide tips for how you can proactively help avoid insurance claims.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.