Summer Insurance Matters
In many ways, summer is the most care-free season. Vacations, leisurely barbecues and beach reading all signal a time to let life's worries slide off your back a little. With that said, summer is also a time of increased concerns in some specific areas. Sunscreen application, proper hydration and keeping the mosquitoes away all migrate to the front of your mind during the year's warmest months. What is often looked is insurance. Due to summer's unique circumstances, there are a few insurance-related details to focus on a little more heavily.
Although it is intended to be relaxing, taking a vacation can also present some unique insurance concerns. When renting a car, for example, it is important to know explicitly what your coverage is. Some insurance providers translate your own coverage to a rental vehicle, while others do not. Find out if yours does and consider buying the supplemental rental insurance if it doesn't.
Travel insurance is another important thing to keep in mind. In situations where you miss your flight, misplace a prescription or have your passport or other valuable stolen, having travel insurance could salvage a ruined trip. Exploring your options before you get on the plane - or even purchase the ticket - could help put your mind at ease.
Even if you don't plan on taking a vacation, there are a few other home related, summer-specific insurance quandaries to consider. If you intend to host a big party on the Fourth of July, for example, you might want to look into getting a social host liability policy to insure you against potential injuries.
Swimming pools are another source of financial loss and, therefore, another thing to consider insuring. To prevent financial loss due to costly repairs or injury, coverage for a pool can help you keep your head above water.