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Are You (and Your Insurance) Ready for Summer?

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Are You (and Your Insurance) Ready for Summer?

Whether you’re lounging by your backyard pool, getting out of the house to see new sights, or attending weekend barbecues with family and friends, there’s magic in summer fun.

man, woman and two children sitting in the trunk of an suv

With so many carefree possibilities, seasonal risks may not be top of mind. But it’s also easy for the summer season to suddenly lose its magical luster due to common insurance claims.

Because the RBFCU Insurance Agency Team cares about the safety and well-being of our members and their loved ones, we’ve compiled a list of common summer insurance claims. With it as your guide, you’ll be better prepared to avoid trouble.

Motor vehicle accidents

Memorial Day and Labor Day represent summer travel bookends. Those 100 days are also known as a peak season for serious automobile accidents, especially for young Texas drivers.1 In fact, according to the AAA Foundation for Traffic Safety,2 between 2010 to 2019 more than 7,000 people died in accidents involving a teen driver in the time between Memorial Day and Labor Day.

That’s why summer is such a pertinent time to remind teens and young adults3 of the risky habits4 that are typical of less-experienced drivers.

Talk to your teen driver about why it’s smart to:

  • Keep eyes on the road and hands on the wheel.
  • Avoid distractions from peer passengers and smart phones.
  • Wear a seat belt.
  • Never drive under the influence of alcohol or drugs, or when tired (which can be as dangerous as driving under the influence).5
  • Refrain from nighttime driving when possible.
  • Observe the speed limit.

Of course, mature drivers can also make similar costly mistakes, especially when they become drowsy while driving. And while it is difficult to determine the exact number of crashes that are caused by drivers falling asleep at the wheel, the National Highway Traffic Safety Administration estimates that 91,000 crashes involved drowsy drivers in 20176 and killed 663 people in 2020.

Regardless of age and driving experience, all drivers should be cautious of seasonal concerns such as flash floods, roadway hazards, overheated vehicles and glare from the sun.

In Central and South Texas, flood waters can rise quickly and present fatal consequences even when there are just inches of water on the roadway. Keep in mind the phrase, “Turn Around Don’t Drown®” and never drive through flooded roadways or around barriers blocking low water crossings. Stay safe and find an alternate route to your destination.

Drivers of every age should always exercise caution and good sense behind the wheel. And remember, good automobile coverage can help protect you or your loved ones if there’s an accident.

Summertime fires

Ready for summer grilling, roasting marshmallows and using candles to light your outdoor meal? Whether your summer fun includes a grill, fire pit, chiminea or campfire, remember that any flame can create a potentially dangerous situation. And don’t forget safety precautions related to Fourth of July celebrations featuring fireworks and hand-held sparklers.

Before every gathering for summer fun, make sure you are set up for fire safety.

To minimize the risks of summertime fires:

  • Make sure your gas grill is working properly by checking gas tank hoses for leaks.7
  • Maintain a 3-foot safety zone around the grill8 and a 10-foot zone around the fire pit,9 chiminea or campfire. Never leave a fire unattended — or young children alone near any flame.
  • Keep a hose, bucket of water or a shovel and dirt nearby for open large flames (e.g., campfires and fire pits).
  • Handle fuel, fire, matches and lighters carefully while keeping them out of the hands of anyone who may not use proper caution with them.
  • Develop a family plan for fire safety awareness, including how to escape from a house fire.10
  • Treat fireworks with special care.11 Always have a fire extinguisher or water source accessible. Use caution around houses, dry grass or trees and always consult your city and county regulations regarding fireworks usage.

» Tip: With the right personal insurance or homeowners coverage, you’ll protect your family if an accident were to occur.

Storm damage

We wait all year for summer’s beautiful weather, only to encounter some of the year’s harsher weather hazards.12 Unpredictable summer weather can include flash floods, tornadoes, hurricanes or hailstorms. These events can endanger family members and pets, as well as cause serious property damage.

Extreme weather13 appears to be happening more frequently. But, by being prepared, you can protect both your property, and more importantly, the lives of those you love.

To prepare for adverse summer weather:

  • Use a weather app14 on your phone to receive weather updates and warnings.
  • Trim trees and heavy limbs so that they’re less likely to fall on your home or vehicles due to high winds.
  • Secure loose items like grills, patio furniture and wind chimes that might cause damage if airborne when bad weather looms.
  • Keep gutters clean and in good repair so they’ll drain heavy rains away from your foundation.
  • Have a plan of action to move people and pets to safety. Identify safe places in your house15 for tornadoes or hurricane winds.
  • Create a disaster kit16 with items you might need during or after a severe weather event.

» Tip: Before summer arrives, it’s smart to make sure that your rental, homeowners and flood insurance coverage is up-to-date with the protection you need.

Home burglaries and vehicle thefts

Summer might be peak vacation season — but it is also the peak season for home burglaries and car thefts. With homeowners headed out for weekend fun or vacations, and more cars in tourist areas, home burglaries17 and auto thefts actually increase during the summer months.18 Remarkably, the number of home burglaries actually increase by 10% during June, July and August. And did you know that the National Highway and Transportation Safety Administration (NHTSA) reports that over half of all auto thefts19 are due to driver error?

To protect against home burglaries and theft:

  • Wait until you are back home to share travel information or photos on social media.
  • Carefully choose house sitters, pet sitters and plant sitters.
  • Refrain from leaving the car key or fob in your car — even if you are just leaving your car for a minute.
  • Invest in a steering wheel lock and an auto tracking device.
  • Secure doors and windows.
  • Keep shades and curtains in your home closed — and store packages and other valuables out of your car (or at least out of sight).
  • Invest in good lighting around your home and park your car in well-lit, high-visibility areas.

» Tip: When it comes to protecting your property, it’s smart to put the right homeowners, personal and automobile insurance in place.

The takeaway

While no one can protect themselves and their loved ones against every conceivable summertime hazard, taking the time to minimize potential risks and making sure you have the insurance coverage you need can provide extra peace of mind this summer. And, with that in place, you can relax and enjoy summer’s magic even more.

Of course, should you decide you want to review or increase your existing insurance coverage, you can always reach out to an RBFCU Insurance Agency professional for guidance and support at any time of the year or request an online quote* now.

Last updated April 2024.

Information in this article is general in nature and for your consideration, not as financial advice. Please contact your own financial professionals regarding your specific needs before taking any action based upon this information.

RBFCU Insurance Agency LLC is a wholly-owned subsidiary of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). Insurance products are not deposits; are not obligations of the credit union; not NCUA insured; and not guaranteed by RBFCU Insurance Agency LLC, RBFCU Services LLC or RBFCU.

RBFCU Insurance Agency is an independent insurance agency. It is the role of the RBFCU Insurance Agent to obtain quotes from multiple carriers and offer comparisons to determine adequate insurance coverage.

Insurance coverage, discounts and other features are subject to individual eligibility and availability.

*RBFCU Insurance Agency LLC contracted with Vertafore, Inc. to access a Vertafore product called Consumer Rate Quotes. (“CRQ”). By using CRQ, you agree to these Terms of Use (“Terms”). Please read these Terms carefully as they contain legal terms that govern your use of this product.

By selecting the online insurance quote option, customers/members are exclusively utilizing Vertafore, Inc.


These sources were last accessed in April 2024.

1“Lone Star State Leads Nation in Fatal Crashes Involving Teen Drivers as 100 Deadliest Days Underway.” AAA Texas,

2“Summertime Blues: The Return of the 100 Deadliest Days for Teen Drivers.” AAA Newsroom,

3“Parents: Talk to Your Teen Driver About Safe Driving.” National Highway Traffic Safety Administration,

4“Teen Driving.” National Highway Traffic Safety Administration,

5“Drowsy Driving vs. Drunk Driving: How Similar Are They?” Sleep Foundation,

6“Drowsy Driving.” National Highway Traffic Safety Administration,

7“Checking for Gas Leaks.” Griller’s Spot,

8“Have a 3-foot Safety Zone Around Your Grill.” U.S. Fire Administration,

9“Summer Safety Tips.” U.S. Fire Administration,

10“Practice Your Home Fire Escape Plan.” Ready,

11“Leave Fireworks to the Experts.” National Safety Council,

12“The Catastrophic Weather Types in Texas.” 2021 Training,

13“Climate Change Indicators: Weather and Climate.” United States Environmental Protection Agency,

14“The 5 best free weather apps for iPhone and Android.” Business Insider,

15“Safety Guidelines: During a Tornado.” Centers for Disease Control and Prevention,

16“Build a Kit.” Ready,

17“Burglary Crime Statistics and Facts.”,

18“Auto Theft Rises in the Summer. Here's How to Prevent Your Car From Getting Stolen.” USA Today,

19“Vehicle Theft Prevention.” National Highway Traffic Safety Administration,