Boat & Watercraft Insurance: More Than Just a Policy 
Getting your boat back on the water is exciting—but accidents can happen quickly. Whether it’s a small fishing boat or a high-speed jet ski, your watercraft should be properly insured before that first launch.
What to review:
- Liability coverage in case you injure someone or damage property
- Collision and comprehensive coverage for damage to your own vessel
- Towing and salvage costs (often overlooked, but expensive!)
Tip: Homeowners policies typically offer limited or no coverage for boats, especially larger ones. A separate boat insurance policy is the safest route.
Pool Safety & Liability: Know What’s Covered
Opening the pool is a summer tradition—but it also brings potential risks. From slips and falls to diving injuries, a pool can be a liability magnet.
Check your homeowners insurance for:
- Liability limits high enough to protect you in case of injury
- Pool-related exclusions (some insurers require fencing or locking gates)
- Coverage for damage to pool structures from storms or falling trees
Tip: Consider adding an umbrella policy for extra liability protection—especially if you regularly host guests or have teenagers using the pool.
Vacation Homes: Seasonal, But Still High Priority
If you own a second home, make sure the insurance is up to date before your first visit of the season. Vacation properties are often more vulnerable to theft, weather damage, and maintenance issues—especially when they sit vacant for long periods.
Review coverage for:
- Fire, theft, and storm damage
- Liability for guest injuries
- Short-term rental coverage, if you occasionally rent it out on Airbnb or VRBO
Tip: If your vacation home is unoccupied for long stretches, talk to your agent about a specialized policy for secondary or seasonal homes.
Storm Season Readiness: Don’t Get Caught Off Guard
Summer weather can be unpredictable. Wind, hail, and flash floods are more common than you might think—especially in areas near water or open land.
Double check:
- That you have adequate wind and hail protection
- Whether flood insurance is needed (it’s not included in standard homeowners policies)
- Your policy’s deductibles and limits for weather-related claims so you can be prepared
Tip: Take photos of your property and belongings before the season begins—this helps speed up claims if you ever need to file one.
Enjoy Summer With Peace of Mind
You’ve waited all winter for this summer to start- don’t let an unexpected accident or claim spoil your season. A quick insurance review now can help protect your family, guests, and summer investments all season long.
