Are You (and Your Insurance) Ready for Summer?

The weather is pretty, the kids are out of school and you’re eager to get out of the house to see some new sights.

With so many seasonal attractions, it’s completely understandable that summer risks may not be top of mind for you.

RBFCU Insurance Agency cares about the safety and well-being of all our members and their loved ones. By identifying the types of insurance claims often made during the summer months, it’ll be easy for you to map out a plan to minimize risks.

So, let’s take a quick look at some common summertime insurance claims, all with an eye to helping you mitigate similar risks.

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 drivers.

That’s why summer is such a great time to remind teens and young adults of the risky habits that are typical of less-experienced drivers, including:

  • Distracted driving (resulting either from focusing too much on other people in the car or cell phones)
  • Driving under the influence of drugs or alcohol (DUI)
  • Drowsy driving (which can be as dangerous as DUI or distracted driving)
  • Failing to wear a seat belt
  • Nighttime driving
  • Speeding

Of course, mature drivers can also make similar costly mistakes, especially when trying to cover long distances to reach a vacation destination. All drivers should be cautious of seasonal concerns such as flash floods, roadway hazards, overheated vehicles and glaring from the sun.

Whatever the age of the person behind the wheel, it’s important to exercise caution and good sense. And remember, good automobile coverage can help protect you or your teens if there’s an accident.

Indoor and outdoor fires

Imagine the nice picture of a candlelight flickering through a porch window. A glowing fire pit. A cozy campfire or backyard grill filled with barbecue or your crew’s fresh catch. Yes, a flame’s warm glow can add a lot to a summer evening’s ambiance.

But, if poorly managed, it may also create a potentially dangerous situation.

To help minimize risks in this category:

  • Neither leave a fire unattended nor leave young children unattended around a fire
  • Seek to help children and young people develop fire safety awareness, including how to escape from a house fire
  • Place matches and lighters away from the reach of anyone (e.g., children, the elderly) who may not use proper caution with them
  • Always ensure that the area around any flame or fire is free of possibly flammable material (e.g., curtains, dry plants, household chemicals, gasoline)
  • Treat fireworks with special care, no matter their size, as they can burn someone or ignite a flame

In addition, good coverage — including personal insurance — can help protect you and yours should an accident occur.

Storm damage

Whether it’s a flash flood, hurricane or a hailstorm, intense summer weather can bring forth serious property claims and potentially endanger family members and pets.

To help mitigate these risks, it’s wise to:

  • Select and use a weather app on your phone to receive a proper warning of foul weather
  • Keep trees and heavy limbs trimmed 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 that they’ll drain heavy rains away from your foundation
  • Have a plan of action to move people and pets to safety
  • Update your safety kit and supplies before the start of hurricane season so that you’re not scrambling if one should approach from the coast

As an added protection, it’s smart to make sure that your rental, homeowners and flood insurance coverage are solid — just in case.

Home and vehicle burglaries

With people headed out for weekend fun or weeklong vacations, home burglaries tend to creep up in volume. Meanwhile, wherever folks tend to gather — be it tourist destinations, campgrounds, outdoor festivals or shopping centers, criminals can follow.

Some basic tips to guard against home and vehicle burglaries include:

  • Being mindful of those with whom you share details about travel plans
  • Choosing house sitters, pet sitters and plant sitters carefully
  • Keeping a close eye on car and house keys — and always refrain from leaving them in a door or ignition
  • Investing in basic theft-deterrence devices for your home, auto, motorcycle or RV
  • Securing doors and windows
  • Keeping shades and curtains in your home closed — and keeping packages and other valuables out of your car (or at least out of sight)
  • Investing in good lighting around your home while also parking in well-lit, high-visibility areas when on the road

Naturally, homeowners, personal and automobile insurance coverages are smart ways to protect yourself from potential problems.

The takeaway

While no one can protect themselves and their loved ones against every conceivable summertime hazard, taking the time to review and mitigate risks around your home, auto and watercraft may provide extra peace of mind. And, with that in place, you can relax and enjoy summer’s charms even more.

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

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.

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