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What You Need to Get Your Insurance Ready for Summer in Wheat Ridge, Colorado

Photo by Ylanite Koppens:

With summer just around the corner, it’s the perfect time to make sure your insurance is all set and ready for the sunny days ahead. Whether you’re planning a vacation, hosting backyard parties, or enjoying outdoor activities, it’s important to have the right coverage in place. So, let’s talk about what you should do to get your insurance ready for the summer season!

  1. Review your homeowners or renters insurance: Take a moment to go over your homeowners or renters insurance policy. Make sure it provides adequate coverage for your home, belongings, and any potential liabilities. Check the policy limits to ensure they align with the value of your property and possessions. If you’ve made any significant purchases or renovations, consider updating your policy to reflect these changes. It’s better to be proactive and ensure you have sufficient coverage in case of any unforeseen events.
  2. Assess your liability coverage: Summer often means having friends and family over for barbecues, pool parties, and other gatherings. With more people on your property, there’s a higher risk of accidents or injuries occurring. Check your liability coverage to ensure it’s enough to protect you in case someone gets injured on your property. Liability coverage can help cover medical expenses and legal costs if you’re found responsible for an accident. If necessary, consider increasing your liability limits or adding an umbrella policy for extra protection.
  3. Prepare for vacations: If you’re planning a vacation during the summer, it’s important to review your insurance coverage. Start with your homeowners or renters insurance to ensure your belongings are protected while you’re away. Some policies may have limitations on coverage for personal belongings outside of your home, so check if you need additional coverage for your valuables or travel items. If you’re driving to your destination, review your auto insurance policy and make sure you have sufficient coverage for the trip.
  4. Understand your auto insurance: Summer often means road trips and more time spent behind the wheel. Before hitting the road, take a moment to review your auto insurance policy. Confirm that your coverage limits meet your needs and comply with state requirements. If you’re planning to rent a car during your vacation, check if your auto insurance policy covers rental vehicles. In some cases, you may need to purchase additional coverage from the rental company.
  5. Consider recreational vehicle insurance: Summer is the perfect time to enjoy outdoor activities like boating, camping, or riding ATVs. If you own recreational vehicles, such as a boat, jet ski, RV, or ATV, consider adding specific insurance coverage for these vehicles. Your standard auto or homeowners insurance may not fully protect them. Recreational vehicle insurance can help cover damages, theft, and liability associated with these vehicles.
  6. Protect your home from summer risks: Summer comes with its own set of risks for your home. Wildfires, tornadoes, hail, and power outages are all possibilities. Take preventive measures to protect your home, such as trimming tree branches away from your house, cleaning gutters, and securing outdoor furniture and equipment. Additionally, consider adding optional coverages to your homeowners insurance policy, like coverage for natural disasters or additional living expenses if your home becomes uninhabitable.
  7. Document your belongings: Take the time to create an inventory of your valuable belongings. This includes items like electronics, jewelry, appliances, and furniture. A home inventory will help you in case you need to file a claim and provide evidence of your possessions. Keep a copy of your inventory in a safe place, such as a cloud storage service or a secure external drive.
  8. Communicate with your insurance agent: If you have any questions or concerns about your coverage or need assistance in reviewing your policies, don’t hesitate to reach out to your insurance agent. They’re there to help and can provide guidance based on your specific needs and circumstances.

Remember, being prepared is the key to enjoying a worry-free summer. By taking these steps to get your insurance ready, you can focus on creating wonderful memories and enjoying the warm weather with peace of mind.

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