Summer Vacations Activities for Kids

As the summer season approaches, your plans are likely to include more entertaining, travel and outdoor excursions. Along with leisure activities, we tend to get the long needed repairs done to our homes. Sunshine may help you relax and recharge, but before engaging in some recreational activities, you should reevaluate your insurance risks and needs. More often during the summer months, more injuries and liability claims arise sometimes leaving us helpless and with minimal options or coverage.

Now, imagine these scenarios: You are entertaining for a small or large group and someone gets burned on a BBQ or fire pit.  Or you may have children jumping on a trampoline and one of them falls and hurts themselves on your property.  What if you are enjoying your new pool and something serious happens to a guest in or around your pool? What happens next?  Do you have the right protection that is needed if you were to have a claim? Does your insurance provider cover the exposures that you currently have in or around your home?

Have you considered and UMBRELLA policy? A personal umbrella policy is a type of insurance that provides liability coverage over and above your automobile or homeowner’s policy. So, if your liability coverage isn’t enough to cover the damages of an accident you cause or an incident on your property, personal umbrella insurance policy kicks in right where your other liability underlying limits have been reached.

Don’t wait! Contact your agent or carrier today to make sure you are covered.

Below are some summer tips to keep in mind to prevent liability claims:


  • Check decks and patios for deterioration, cracks, loose boards and protruding nails.
  • Check electrical outlets for frayed wires and loose plugs. Do not overload outlets!
  • Check all windows and doors to make sure they function correctly and check screens for rips, holes or other damage.
  • Make sure all equipment outside is sturdy and functional, such as play structures, tables, and awnings.
  • Make sure grills are away from your house and other structures, DO NOT put indoors in in the garage.
  • If you have pools or trampolines, check with your current insurance agent to make sure these types of exposures are covered; most carriers will have guidelines that you will have to follow.