Yes, June is here, and so are all the summer projects, road trips, pool parties, and new hires. But while you’re focused on the fun, your insurance policy might be hiding surprises.
Let’s break down the secret coverage gaps you should check before summer gets wild.
🏠 For Homeowners: The Easy Things to Overlook
- Trampolines, pools, fire pits—many homeowners policies exclude these unless you notify your carrier. Imagine hosting a party and finding out you’re not covered after someone gets hurt.
- Vacation rentals: Are you renting out your home this summer? You may need a separate short-term rental endorsement.
- Summer toys: New e-bikes, jet skis, or trailers? Standard home insurance won’t cover them without an update.
Pro tip: Do a free review of your policy with us. It’s quick, easy, and might reveal hidden gaps you’ll be glad to close.
🏢 For Business Owners: New Season, New Risks
- Hiring summer interns? Make sure your workers’ comp includes seasonal employees.
- Hosting events or participating in festivals? You may need event liability or additional insured endorsements.
- Landscaping, remodeling, or outdoor upgrades? Ask if your commercial policy covers renovations or temporary structures.
Never assume your business insurance auto-updates. It doesn’t.
✅ The Instant Fix
- Call us for a free summer check-in. You might unlock more protection with less hassle.
- Review your deductible—many are higher for wind/hail events.
- Ask about umbrella coverage if your assets have grown.
