Essential Summer Insurance Policies for Clients

Jul 30 2025 17:00

Summer: The Optimal Time for Insurance Review

Summer's arrival brings a flurry of vacations, outdoor activities, and home improvement projects. With these seasonal shifts come unique insurance needs that may not always be top of mind for clients. Conducting a summer policy review can help identify potential coverage gaps and adjust policies proactively, safeguarding against unexpected costs and providing peace of mind.

Homeowners and Storm Protection

Many clients overlook the limited debris removal coverage in standard homeowners policies. Those with extensive landscaping or large trees should evaluate their storm-related coverage. Summer storms can cause significant damage, so encourage preparedness and policy adjustments before disaster strikes.

Boats and Watercraft

Summertime often means more time spent on the water. Clients should ensure their boat's coverage reflects its full value, including any new equipment. Verify liability limits and assess gaps such as guest operators or towing needs. Encourage safety checks and maintenance as part of their summer routine.

Recreational Vehicles (RVs, ATVs, etc.)

For clients with recreational vehicles, additional coverage may be necessary, particularly if they have made recent upgrades. Summer adventures bring unique risks, so review liability and accident protection. Consider discussing optional add-ons like roadside assistance or expanded liability coverage.

Auto Insurance

As clients prepare to take vehicles out of storage for road trips, they should verify their liability, comprehensive, and collision coverage. Remind them to confirm all drivers on the policy to avoid unexpected issues. Increased driving can necessitate policy updates to maintain effective protection.

Encouraging clients to proactively review and adjust their insurance policies in advance of summer activities can prevent costly surprises and foster a stronger client relationship. Taking these steps ensures they can enjoy the season with confidence and security.