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Jet Ski on LakeWhile it's easy to get distracted by the fun in the sun, there are plenty of risks you should consider first.

Across the country, many individuals are setting plans in place for the arrival of summer. From cross-country road trips to surfing at the local beach, the summer likely means more travel and outdoor expeditions. While it’s easy to get distracted by all the fun in the sun, there are a number of insurance risks and needs consumers should consider first.

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Many people go on vacation or travel around the world during the summer. But even extensively planned trips can be disrupted by an unforeseen incident, like losing your luggage. Others sprinkle in some time to try their hand at extreme sports like hiking or rock climbing. Even taking the family boat out to sea can create some risky exposures.

Summer should be a time of fun and relaxation, but that doesn’t mean insureds should be any less diligent about their exposures. Minimize your exposures and maximize your protections with these four tips from the National Association of Insurance Commissioners (NAIC). With these in mind, you’ll be sure to have a safe and memorable summer.

  • Pools and trampolines can be dangerous, so some companies may not insure your property if you own them, or there may be policy exclusions for liability for related injuries. An insurance company may also deny coverage or cancel your policy if you do not follow the policy's safety guidelines or fail to inform them when you build a pool or purchase a trampoline. Consider purchasing an umbrella policy in addition to your homeowners insurance your liability coverage.

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  • A boat insurance policy provides liability coverage if someone is injured on your boat or damage others' property caused by you. It also covers bodily injury inflicted on others and property damage to your boat. Personal watercrafts, such as jet skis, often require a separate that may be offered by your homeowners' insurer.

  • ATV's (off road vehicles) are not covered by standard automobile insurance policies, but your homeowners policy may partially cover liability. Ask your agent if you have sufficient coverage on your homeowners policy. If you do not, you should consider a separate ATV policy. Ask your provider about age restrictions regarding who may operate the ATV or if the policy covers friends and family.

  • Whether you're leaving home for a weekend getaway or a long road trip, be aware of what your homeowners or renters policy will cover while you're gone. Typically, your homeowners insurance will follow you, protecting you even while you're not at home. Off-premises' coverage means your belongings are covered anywhere in the world. If you're staying at a hotel and your belongings are stolen, your homeowners policy will provide coverage but the exact coverage depends on your policy. In addition to your deductible, items will typically have a limit on things like jewelry and furs. If you're travelling with high-priced items, it's good idea to get a separate insurance coverage for these items.

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SOURCE - Property Casualty 360 - Are your clients insured for summer fun?
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