5 Summer Insurance Tips to Protect Your Fun — and Your Finances
Summer’s here, and with it comes road trips, backyard barbecues, and weekends at the lake. But as you pull the boat out of storage or fire up the grill, now’s the perfect time to check in on your insurance coverage to make sure you’re ready for anything the season throws your way.
Here are five essential summer insurance tips from the team at Briteline Insurance:
1. Review Your Recreational Vehicle Coverage
ATVs, boats, jet skis, RVs — they’re made for summer. But are they covered? Don’t assume your homeowners or auto policy extends to your toys. We can help you review:
Liability limits in case someone gets hurt
Comprehensive & collision in case of storm damage or an accident
Proper storage coverage when they’re not in use
Ask us about bundling your recreational vehicles with your home or auto to save money.
2. Make Sure Your Home Policy Covers Summer Risks
Warmer weather brings outdoor upgrades — trampolines, pools, fire pits, and more. But those come with added liability. A few questions to ask:
Did you install a pool or trampoline? Your carrier might have specific requirements.
Hosting parties? Consider umbrella liability to protect against lawsuits.
Are you renting your home short-term (like Airbnb)? That could require special endorsements.
We’ll help you close the gaps before summer gets into full swing.
3. Storm Season is Here — Are You Covered?
Illinois and the surrounding Midwest see their share of summer storms — and insurance carriers are watching closely.
Do you have wind/hail deductibles that changed at renewal?
Are your roof and siding matched in case only part gets damaged?
Is sewer backup or equipment breakdown included?
Let’s do a quick review of your homeowners policy so you’re not surprised when a summer storm rolls through.
4. Heading Out on a Road Trip? Check Your Auto Policy
Summer travel means more time on the road — and more opportunities for accidents. Be sure to:
Check your liability limits (state minimums often aren’t enough)
Make sure you have rental car reimbursement and roadside assistance
Let us know if you're loaning your car to a friend or family member
Need to add or switch a vehicle? We can update your policy in minutes.
5. Protect What You’ve Built
Summer’s a great time to evaluate the bigger picture: your family, your assets, and your legacy. Ask yourself:
Do I have enough life insurance in place if something unexpected happened?
If you own a business, is it protected for seasonal hires or events?
Is it time to start looking into an umbrella policy to protect your growing net worth?
At Briteline Insurance, we’re here to help you protect the people and things that matter most — in every season.
Let’s Chat Before the Fireworks Start
Insurance isn’t just about paperwork — it’s peace of mind when life gets unpredictable. If you haven’t reviewed your policies recently, now is the perfect time. Let’s make sure your summer is as safe as it is sunny.
📞 Call us at 331-234-7449
📍 Serving Illinois, Indiana, Wisconsin, and beyond
🌐 www.britelineinsurance.com
