With summer in full swing and people enjoying more outdoor activities, now is a great time to review common summer insurance claims and tips on how to lower your risk. Whether you’re traveling, hosting backyard barbecues, or enjoying time on the water, these precautions can help keep you safe and your insurance premiums in check.
Home Break-Ins
Many families choose to stay home during the summer months, but some still travel for vacations or weekend getaways. If you plan to travel, it’s essential to protect your home from potential burglary or theft while you’re away.
- Technology: Home security devices are more accessible than ever. Affordable options like wireless security cameras, video doorbells, and motion detectors can provide peace of mind and alert you to suspicious activity. These DIY security systems are easy to install and monitor remotely.
- Timers and Lights: If you don’t have a security system, consider setting up timers for your lights. A timer can make it look like someone is home, especially during evening hours when you’re usually active. Opt for energy-efficient LED bulbs to keep costs low.
- Trusted Neighbors or Family: If you have a close relationship with your neighbors, ask them to keep an eye on your property. It’s a good idea to let them know when you’ll be away so they can spot anything unusual. You can also arrange for a family member or friend to check in on your home during an extended absence.
- Avoid Posting on Social Media: While it’s tempting to share vacation photos on social media, avoid posting while you’re away. Broadcasting your absence can alert burglars that your home is unoccupied.
If you’re looking for ways to better protect your home, consider checking out our Home Insurance options for comprehensive coverage.
Backyard BBQs and Grilling
Summer is the perfect time for barbecues, but grilling can be dangerous if you’re not careful. Here are some safety tips to avoid potential claims:
- Proper Placement: Keep your grill at least 10 feet away from your house, trees, or any other flammable materials.
- Regular Cleaning: Clean your grill after every use to prevent grease buildup, which can lead to fires.
- Check for Gas Leaks: Before grilling, always check for the smell of gas, which could indicate a leak in the hose or connections. Never attempt to light your grill if you smell gas.
Boating & Vehicle Accidents
Summer often means more time spent on the water, ATVs, or other recreational vehicles. Accidents can happen quickly, so here’s how to stay safe:
- Stay Focused: Distractions can lead to accidents, whether on the water or on the road. Always stay alert and drive defensively.
- Be Aware of Other Drivers: It’s just as important to watch other drivers as it is to focus on your own driving. Keep a safe distance from other vehicles and be ready to react if necessary.
Whether you’re on the road or the water, ensure your coverage is up-to-date by visiting our Boat Insurance page.
Chipped or Broken Windshields
More vehicles on the road during summer can increase the chances of a rock chip or cracked windshield. While you can’t entirely avoid road debris, here are some tips to minimize the risk:
- Maintain Safe Distance: Always keep a safe following distance from the vehicle ahead, especially on highways where rocks or debris are more likely to get kicked up.
- Watch Out for Trucks: Large trucks tend to throw up more debris than smaller vehicles, so be especially cautious when driving near them.
Want to make sure you’re covered in the event of windshield damage? Visit our Auto Insurance page to learn more about your options.
Enjoy the Summer, But Stay Safe
No matter your plans this summer, we hope you have a great season. But if you’re considering traveling, hosting outdoor events, or spending more time on the road, remember these tips to keep your risks low.
If you have questions about your property insurance or want to add an extra layer of protection with an umbrella insurance policy, our insurance agents at G&G Independent Insurance are here to help. Contact us today for a free consultation and ensure you’re properly covered!
