At Midwest Certified Insurance Agency, we’ve seen the same summer mishaps pop up year after year. So we put together a quick list of the top 5 insurance claims that happen often in the summer, and how to avoid them.
1) Grill Fires 🔥
Backyard BBQs are a summer staple, but they also account for thousands of fire-related insurance claims every year. Things like grease flare-ups, faulty propane lines, or grills placed too close to siding can lead to damage.
Avoid It:
- Keep grills at least 10 feet from your home or deck railings
- Never leave a hot grill unattended
- Clean your grill regularly to prevent grease buildup
- Check propane hoses for leaks before each use
Insurance Tip: Make sure your homeowners policy includes fire damage—even if it starts outside.
2) Car Accidents 🚗
Summer is one of the busiest times on the road, with more drivers, more road trips, and more distractions. Teenage drivers home from school also contribute to the seasonal spike in accidents. 
Avoid It:
- Don’t drive drowsy or distracted—especially on long road trips
- Make sure your vehicle is road-trip ready: tires, brakes, lights, etc.
- Set clear rules for teen drivers (no texting behind the wheel, obeying local curfews)
Insurance Tip:
Review your auto insurance limits to make sure you’re protected beyond the state minimums. You may also want to add roadside assistance or rental car reimbursement.
3) Pool-Related Injuries 🏊
Pools are a great way to beat the heat—but they’re also a major liability and bring safety risks to swimmers and those around the pool deck.
Avoid It:
- Install secure fencing with a locking gate around your pool
- Never leave children unattended near water
- Use non-slip surfaces around the pool deck
- Post visible safety rules if you entertain guests
Insurance Tip:
Ensure your liability coverage is high enough to protect you in the event of an accident. Consider an umbrella policy for added peace of mind.
4) Storm Damage 🌩️
Summer storms can bring wind, hail, and heavy rain that damage roofs, siding, fences, and vehicles. Even a quick pop-up thunderstorm can lead to thousands in damages.
Avoid It:
- Trim trees and remove weak branches near your home
- Clean gutters to reduce water backup
- Secure patio furniture, umbrellas, and trampolines
- Park vehicles in a garage or under cover if hail is forecast
Insurance Tip:
Know your deductibles for wind and hail damage—they’re often different from your standard deductible. Also consider comprehensive auto coverage to protect against hail or fallen tree limbs. 
5) Theft from Cars or Vacation Homes 🧳
Summer means travel, and unattended cars or vacant second homes become easy targets for thieves. Laptops, luggage, and other valuables are often stolen from vehicles or cabins.
Avoid It:
- Don’t leave valuables visible in your car
- Lock up and use security systems for vacation homes
- Ask a neighbor to check on your property when you’re away
- Install motion-activated lights or cameras around second homes
Insurance Tip:
Homeowners or renters insurance may cover stolen items, even from your car—but the car itself needs auto coverage. Review your off-premises coverage if you travel often.
Stay Protected All Summer Long
A little preparation goes a long way toward avoiding the most common summer insurance claims. Whether you’re hitting the road, hosting friends, or just enjoying your backyard, the right insurance coverage keeps you focused on fun—not frustration.
