Homeowners Insurance Summer Check List

Because summer is just a few weeks away, we've compiled a list of the most significant reasons why having a solid homeowner's insurance coverage in the summer is critical:

Tropical Storms in the Summer

Depending on where you reside, tropical storms and hurricanes are possible mid-summer. It is no secret that recovering from possible storm damage can be painful. It is imperative that your home and belongings are properly insured and that you have policies in place to assist you in recovering if things take a turn for the worst.

Wildfires in the Summer

Fire may occur anywhere, at any time, and when it does, it can spread quickly, causing hundreds of thousands of dollars in destruction to property. The risk of fire is much higher in the summer than around the other parts of the year, and depending on how the weather turns out this year, we could see a tremendous rise in the number of wildfire outbreaks in our region. It is critical to have a solid homeowner's insurance policy to protect you in the event of a fire outbreak, especially during the summer months.

Injuries to the Body

When the sun begins to shine, it is common for individuals to spend more time outside and become more daring as the weather warms. The kids are out of school and occupied with outdoor activities in the backyard. The number of liability claims increases dramatically during the summer months simply because people have more time to spend outside and experiment with different activities. Make sure you have liability coverage on your home insurance policy to protect you if someone is injured in your home.

Theft

Summer is typically a time for some vacationing. This means that it is also the "peak" season for theft, often during the summer months. Thieves target residences that appear to be vacant because the inhabitants are away on vacation. Inspect your homeowner's insurance policy to ensure that you have enough theft coverage to protect your most valuable possessions if someone breaks into your home and steals them from you.

Storms in the Summer

Summer storms produce significantly more lights than winter storms do on average. Fires can readily be sparked by lighting and cause significant property damage as soon as they occur. If you live in a region where lightning hits frequently, you should consider installing a lightning rod to absorb the impact of any lightning strikes. You should also review your homeowners' insurance policy with a competent agent to ensure you are insured in the event of a fire.