Summer is a time for backyard parties, vacations, and long sunny days. However, the summer months can bring a quiet increase in homeowners insurance claims, ranging from break-ins to fire and storm damage. The good news is that you can manage most of these seasonal risks with a bit of foresight and some common-sense precautions. Whether you're heading out of town or simply spending more time outdoors, this article provides proven steps to help protect your home and offers key considerations for your insurance coverage.
What makes summer a risky time for homeowners?
Summer changes how we live in and around our homes, and with that comes a different risk landscape. Longer daylight hours and school breaks mean more people out and about, including those looking for easy targets. Historically, there has been a notable increase in burglaries during June, July, and August. Add to that the strain on electrical systems from air conditioners running full tilt, outdoor grilling, and unpredictable summer storms, and it’s not surprising that fire and weather-related claims tend to rise as well.
A few key actions can make a significant difference: install motion-sensor lighting, test your smoke detectors, keep trees and dry brush trimmed back, and inspect your electrical panel. It’s not just about avoiding danger: it’s about protecting what you’ve worked hard to build.
Travel plans? How to Protect Your Home While You’re Away
One of the most preventable types of claims is theft during vacation season. An empty home is a vulnerable home, but it doesn’t have to be. Before heading out, make your home look occupied. Put a few interior lights on timers. Stop your mail or ask a friend to collect it on your behalf. Smart home systems are a clever investment not just for security cameras and alarms, but for remote access to lighting, thermostats, and even locks.
It’s also wise to review your homeowners insurance policy and ensure it covers theft and storm damage while you're away. Take photos or videos of your valuables, lock all doors and windows, and secure garages, sheds, and side gates. A little early preparation now can save you headaches later.
Backyard Safety: Enjoy the Season Without the Risks
Unfortunately, most backyard injuries or accidents happen when safety takes a back seat to summer fun. If you’ve a pool, ensure it’s properly fenced and gated and that safety equipment is readily available and in good working condition. You should check kids’ play areas for loose bolts or splintering wood, and lawn tools or chemicals should be stored and kept out of reach.
Hosting guests? Inspect your deck, patio, or steps for anything that could become a tripping hazard. Secure handrails, fix loose boards, and double-check outdoor lighting. Not only will this keep everyone safe, but these minor upgrades may even earn you a break on your insurance premiums, depending on your carrier.
SelectQuote Makes Summer Coverage Simple
Your coverage needs aren’t static, and summer is a great time to review your policy. Whether you’ve taken on a new home improvement project, added a pool, or just want to ensure coverage during your travels, now’s the time to take a closer look.
At SelectQuote, we provide quotes from several of the nation’s most trusted insurance carriers and help you compare and personalize your policy to fit your needs and budget. Our licensed agents take the time to understand your home, your plans, and your risks and use that knowledge to match you with coverage that perfectly suits your needs.SelectQuote helps make sure you can enjoy the season with peace of mind.
