Want to have fun in the sun?
Get covered with these Summer Tips!
With summer here and warmer weather upon us, you may be wondering what tips and tricks are out there this year to help recharge and relax. Let’s take a look at how you can enjoy fun in the sun, without having to worry about risks!
Pools and Trampolines
Risk: Pools and trampolines can increase your insurance risk.
Umbrella Policy: Consider an umbrella policy in addition to your homeowners insurance for increased liability coverage.
Insurance Exclusions: Some companies may not insure properties with pools or trampolines, or may include liability exclusions.
Safety Guidelines: Follow policy safety guidelines such as adding a gate or fence to avoid denied coverage or policy cancellation.
Leased Property: If leasing, discuss insurance options with your agent.
Boats
Coverage: Boat insurance provides liability coverage for injuries and property damage.
Loss Settlement Provisions: Actual Cash Value (ACV): Reimburses current value minus depreciation.
Agreed Amount Value: Pays a pre-agreed amount minus deductible for total losses.
Replacement Cost Coverage: Replaces your boat with a similar one in case of total loss.
Homeowners Policy: May cover small boats for physical damage but offers limited liability coverage.
Personal Boats: Often require separate policies; consider specialized boat insurers.
All-Terrain Vehicles (ATVs)
Coverage: ATVs are not covered by standard auto insurance. Homeowners policy may partially cover liability.
Separate Policy: Consider a separate ATV policy for comprehensive coverage.
Age Restrictions: Verify operator age restrictions and coverage for friends and family with your provider.
Traveling
Coverage: Homeowners insurance typically follows you, protecting your belongings worldwide subject to certain limits.
Stolen Items: Coverage for stolen items from hotels, subject to deductible and item limits.
Valuable Items: Consider separate insurance for expensive items like jewelry.
At Trusted Insurance Partners LLC, we specialize in personal and commercial lines of insurance such as:
Auto
Homeowners
Commercial
Life Insurance
Boats
ATVs
Jewelry, collections, and more!
As a full service insurance provider, we are committed to meeting any need you may request to protect you and your family. Stay informed and protected to enjoy a worry-free and safe summer season! If you are looking for more information, contact us today at 469-656-8477, or email us at Quotes@trustedinsurancepartners.com