As the weather gets warmer across the country, many people are understandably growing excited to enjoy activities that are popular in spring and summer.
Of course, with this comes an emphasis on ensuring that everyone remains safe and well as they enjoy these freedoms. Even the most diligent of us can find ourselves on the receiving end of costly lawsuits in the event of an accident or injury- a fact that points to the importance of insurance packages that can offer protection.
A Personal Umbrella Policy Offers Coverage for Yourself and Others
COVID-19 vaccinations becoming increasingly accessible and warm weather moving in are quickly setting the stage for activities with friends and family. Ahead of this, many homeowners have started to explore insurance coverage that include personal umbrella policies.
One of the benefits of a personal umbrella policy is that it provides an extra layer of protection if you or a family member are involved in an injury or property damage lawsuit. Ahead of barbeques, pool parties, and outdoor social events, an umbrella policy can help safeguard an individual and protect hard-earned assets.
While we may not enjoy considering that something bad will happen during joyous occasions with friends and family, the possibility should be planned for whenever possible. Prior to the COVID pandemic, as many as 44% of reported injuries occurred in the home. In 2018, there were an estimated 37, 600, 000 medically consulted injuries in households located in the US.
When examining the potential need for a personal umbrella policy, it is important to acknowledge that your need for such insurance may increase depending on the types of activities that occur on your property.
A personal umbrella policy may be of particular interest to those with backyard fixtures that can be dangerous such as firepits, hot tubs, and swimming pools. Sports present a significant risk of injury as well, and households that host games for children or adults may find such a policy helpful for addressing liability concerns.
Motorcycle Insurance Covers You and Your Vehicle
Individuals in states that are getting their first warm weather of the season are itching to break out their motorcycles. While they are doing so, it is very important to plan for all the risks associated with riding with insurance that offers proper levels of protection.
One very well-known aspect of motorcycle riding is that accidents present a very high risk of injury for the rider. This is because the lack of exterior protection that help prevent injuries in car accidents.
In nonfatal accidents, the Hurt Report states that 98% of multiple vehicle collisions and 96% of single vehicle accidents involving a motorcyclist result in their injury.
Motorcycle insurance stands out as an effective way to protect a motorcyclist and their bike. Not only can motorcycle insurance offer protection if a bike is damaged or stolen, but it can offer protection against injury and property damage lawsuits. This can alleviate some of the rider’s liability concerns and help them feel more secure as they hit the road.
Marine Insurance Remains a Staple Source of Coverage for Coastal Areas
Seeman Holtz Property and Casualty marine insurance has offices located in boating capitals such as Boca Raton, Florida and Chatsworth, California, and the company realizes just how excited coastal communities in other areas are to spend time on the water as well.
While boat insurance is not mandatory if you live outside of Arkansas or Utah, marine insurance remains a staple coverage option for individuals that boats, yachts, and other watercrafts in your possession for several reasons. Liability Boat insurance, for example can help the insured pay for medical expenses or legal costs accrued in the event of an accident.
There are a variety of issues that can occur out on the water and finding the marine insurance policy that best fits your needs is an excellent way to protect yourself against whatever comes your way.
It may be difficult to imagine that accidents can happen during our much-deserved downtime- but knowledge of the risks does not need to prevent us from enjoying them. Instead, we can enjoy all that spring and summer has to offer by ensuring that ourselves and our loved ones are protected as best we can.
