April Showers Bring May Flowers… and a Summer Full of Staycation Fun!

A friendly reminder from your local insurance agent on how to stay safe and smart this season.

They say April showers bring May flowers, and for many of us, that also means we’re looking ahead to summer plans. But what if this year you’re skipping the long airport lines, avoiding sky-high hotel prices, and leaning into the joy of a good old-fashioned staycation?

Staying close to home doesn’t mean sacrificing fun, it just means getting a little creative. Think backyard BBQs, kayaking on the local bay, biking through nearby trails, or maybe turning your porch into a private café with twinkly lights and takeout from your favorite spots.

As you prep for summer, here are some staycation ideas and the insurance-friendly tips to go with them.

1. Love the Water? Don’t Forget Water Safety and Coverage.  

Pools, lakes, paddleboards, jet skis, they’re all part of the summer magic. But water fun comes with responsibility.

Safety Tip:  

Always supervise kids around water, even if they know how to swim. If you own a pool, make sure it’s fenced and follow local safety codes.

Insurance Tip:  

If you’re adding a pool to your property or purchasing watercraft, it’s essential to let your insurance agent know. Your homeowners policy may need an update, and personal watercraft like jet skis may require separate coverage. Don’t assume you’re protected, ask and verify.

2. Backyard Sports Are a Blast Until Someone Gets Hurt.  

Pick-up soccer games, badminton tournaments, even a little corn hole showdown, summer’s for moving your body. But with every jump, dive, and toss comes a little risk.

Safety Tip:  

Keep play areas clear of hazards, wear proper gear (yes, even for backyard biking), and make sure equipment is in good condition.

Insurance Tip:  

If someone gets injured on your property, your liability coverage could come into play. Make sure your limits are where they need to be, especially if your house becomes the go-to summer hangout. Umbrella policies can provide additional protection for peace of mind.

3. Road Trips and Day Trips, Are You Road-Ready?  

Staycations often include nearby getaways such as beach days, hiking adventures, or exploring towns within a short drive.

Safety Tip:  

Before hitting the road, check your tire pressure, get your brakes inspected, and make sure your car is in tip-top shape. Keep emergency supplies in the trunk (think water, snacks, flashlight, charger, first-aid kit).

Insurance Tip:  

Review your auto insurance to confirm what’s covered in case of a breakdown or accident. If you're renting a car for a weekend adventure, ask whether your current policy or credit card offers rental coverage and don’t assume.

4. Dining Al Fresco? Fire Up the Grill Safely.  

Outdoor meals are one of summer’s biggest perks. There’s nothing better than grilling under the stars or toasting s’mores around a backyard fire pit.

Safety Tip:  

Keep grills and fire pits a safe distance from your home, deck, and anything flammable. Never leave open flames unattended, and keep a hose or extinguisher nearby, just in case.

Insurance Tip:  

Let your agent know if you’ve added outdoor structures like a built-in grill, pergola, or fire feature. These can affect your property value and coverage needs.

5. Staycation Home = Summer Sanctuary.  

Just because you’re not “traveling” doesn’t mean you’re not investing in your time off. Your home becomes your resort, so make it comfy, safe, and well-covered.

Safety Tip:  

Install or check smoke detectors, secure windows, and make sure outdoor lighting is working (bonus: it keeps critters away too!).

Insurance Tip:  

If you’re planning home renovations this summer, like a deck, patio, or sunroom, chat with your agent first. Your current policy may need a refresh to reflect the upgrades.

Final Thought:  

Whether you’re lounging by your backyard pool, heading to the local hiking trail, or grilling with friends on a warm summer night, summer fun should come with peace of mind. The right coverage ensures you can truly relax, knowing your home, your family, and your favorite pastimes are protected.

And if you’re not sure whether your insurance is summer-ready? That’s where I come in.