Summer Insurance Tips: Protect Your Fun in the Sun!
Summer is almost here, and we hope you're ready for some fun in the sun! At LW Short Insurance, we want to ensure that you enjoy your summer activities and also stay protected from potential risks. That's why we're sharing some valuable tips to help you avoid common summer insurance claims. Let's dive in!
Outdoor Fires: Sizzle Safely
There's nothing like having a fun backyard barbecue or gathering around a fire pit on a warm summer evening. However, it's crucial to exercise caution to prevent accidents. According to a 2020 report from the National Fire Protection Association, an average of 10,600 home fires are started each year by grills – with gas grills being the primary culprit.
This summer, ensure your grill is in good working order with no leaks or breaks. It should be kept a safe distance away from flammable materials and never left unattended while in use. Double-check your liability and personal property coverage to stay protected.
Car Accidents: Drive Smart, Arrive Safe
The summer driving season is about to be in full swing! But for teens, the time between Memorial Day and Labor Day is also known as the "100 Deadliest Days" because fatal teen crashes increase on average by 14% in the summer months.
Before your teen driver hits the road this summer, be sure to discuss safe driving practices – including avoiding distractions like cell phone use and limiting the number of passengers. (And don't forget to review your auto insurance coverage to ensure you have adequate protection for summer road trips!)
Drownings: Stay Water Wise
With the heat rising, swimming becomes even more of a popular activity! And if you have a pool, make sure it's properly secured with a locked gate to prevent accidental drowning and unauthorized use.
Drowning incidents can have devastating consequences, especially for young children. The CDC reports that on average, there are over 4,000 unintentional drowning deaths each year. Drowning is the second-leading cause of unintentional death for children between ages 1 and 14, with children under 4 having the highest drowning rate.
If that isn't reason enough to keep your pool secured, whether your pool is fenced can affect insurance rates and coverage depending on where you live! (If you're wondering about regulations and the insurance impact of your pool, we can help! Just call our agents.)
Boating Accidents: Float Responsibly
If you're planning a day on the water, boating safety should be a top priority. Take a boating safety course, maintain your boat regularly, and ensure everyone on board wears a life jacket. These simple precautions can go a long way in preventing accidents. Verify that your boat insurance coverage is up to date and provides adequate protection.
Home Burglaries: Secure Your Peace of Mind
While you're enjoying your summer vacation or spending time outdoors, it's essential to keep your home protected from burglaries. Investing in a security alarm system and installing motion detection lights can keep your property safe and may even earn you a discount on your insurance premiums!
If you're going out of town, ask a trusted neighbor to collect your mail and packages to deter burglars and potentially reduce your insurance risk.
Remember, at LW Short Insurance, we're here to help you navigate any insurance concerns or questions you may have. Don't hesitate to reach out to our knowledgeable agents for a personalized insurance review or to update your coverage based on your summer plans!
Stay safe, have a fantastic summer, and let us take care of your insurance needs!
Best regards, The LW Short Insurance Team
