Summer Fun? Make Sure It’s Covered.

Let’s talk summer.

The windows are down. The sunscreen is on. And if you’re anything like my clients, the “toys” have come out to play.

We’re talking boats, Jet Skis, motorcycles, RVs, classic cars, golf carts, off-road vehicles and everything else that screams “let’s make memories.”

I love this season. There’s nothing like the sound of laughter by the lake, road trips with the music cranked, or long weekends spent unplugging with the people you love. But the thing is all that fun comes with risk.

And risk? That’s my business.

As an insurance agent, I’ve seen the difference it makes when summer adventures are backed by smart protection. Before you hit the water, the road, or the campsite, take a few minutes to ask yourself:

Are you covered or just crossing your fingers?

Here are 5 quick summer insurance check-ins to keep your season stress-free and fully fun:

1. Boats & Jet Skis

Whether it’s a fishing boat or a speedboat, it needs its own policy because your homeowners insurance won’t cut it. And don’t forget personal liability coverage. If someone gets injured while tubing or skiing, you’ll want more than just a life jacket.

2. Motorcycles & Scooters

That weekend ride is a vibe, but motorcycle insurance isn’t just a formality. Make sure you’ve got the right balance of liability, collision, and comprehensive coverage plus uninsured motorist protection (because not everyone out there is as responsible as you are).

3. RVs & Campers

If your RV is parked most of the year and only used for summer getaways, we can customize coverage to fit how (and how often) you use it. From roadside assistance to contents coverage, this one’s worth a conversation.

4. Vacation Homes & Airbnb Rentals

If you’ve got a lake house, beach cottage, or cabin in the woods, even if you only visit occasionally, it needs a separate policy. Planning to rent it out this summer? That’s a whole different ballgame.

5. Umbrella Coverage

Summer is prime time for guests, get-togethers, and unpredictable moments. An umbrella policy gives you added liability protection above your other policies. It’s affordable, and it kicks in when the unexpected happens.

I’m not here to spoil your good times. I want you to enjoy the heck out of your summer. I just also want you to keep enjoying it even if something goes sideways.

You’ve worked hard for the things you love. Protecting them is just smart.

It doesn’t take long to get this sorted. A quick call or message and we can review your policies, spot the gaps, and get you covered with confidence.

Let’s make this your safest, most carefree summer yet.