Summer in Ohio means cookouts, fireworks, lake days, and long, sunny evenings with family. It also means higher risks: from fire hazards on the Fourth of July to property damage from extreme heat, and more time spent on the road or water. Being prepared and properly insured can save you a lot of stress, time, and money.
Here are practical ways to protect yourself and your assets this summer.
1. 4th of July Safety and Insurance Tips
Fireworks, sparklers, and grills are all part of the fun—and all potential sources of claims.
- Fireworks: If you’re setting off your own, check local laws and keep a safe distance from people, homes, and vehicles. Know that many homeowners insurance policies don’t cover illegal fireworks-related damage.
- Grilling: Keep your grill away from structures and never leave it unattended. Grease fires happen fast and often.
- Hosting guests? Make sure you have liability coverage in case someone gets injured on your property. Umbrella insurance may be worth considering for added protection.
2. Prepare for Extreme Heat
Ohio summers can get sweltering, and heat-related damage and health risks increase.
- Vehicles: Make sure tires are in good shape and fluids are topped off. Blowouts and breakdowns are more common in extreme heat.
- Home A/C Units: Clean or replace filters, check for leaks, and consider an HVAC tune-up to avoid a mid-summer meltdown.
- Power Surges: Use surge protectors for electronics. Lightning storms and grid overloads can fry your devices.
3. Avoid Common Summer Claims
Don’t let preventable accidents ruin your summer:
- Pools: Install proper fencing, and never leave kids unattended. Pool-related claims can be costly and tragic.
- Trampolines: Secure them or store them when not in use. High winds and unsupervised jumps lead to many claims.
- Boats & Recreational Vehicles: Make sure they’re properly covered and that liability protection is adequate. Accidents happen fast on water and trails.
4. Review Your Coverage Now
Before summer hits full swing, take 15 minutes to review your insurance policies:
- Auto Insurance: If you’re traveling more, make sure your coverage is up to date.
- Homeowners Insurance: Make sure your policy reflects any recent home improvements, and includes liability coverage.
- Umbrella Policy: If you’re frequently hosting, on the water, or have teenage drivers, an umbrella policy can provide an extra layer of financial protection.
Final Thoughts
Being covered isn’t just about claims—it’s about peace of mind. Your summer should be filled with memories, not worries. Let us help make sure your insurance is keeping up with your life.
Get a personalized quote today: https://www.preferredcenter.
