Ken Selzer, CPA, Kansas Commissioner of Insurance

Are you insured for summer fun?

Your summer plans are likely to include more entertaining, travel and outdoor excursions. But before engaging in some recreational activities, you should reevaluate your insurance risks and needs.

The following tips from the Kansas Insurance Department and the National Association of Insurance Commissioners can help make sure you are protected while you enjoy summer fun.

Pools and Trampolines
Before inviting friends and family over to enjoy your pool or trampoline, know that either may increase your insurance risk. Consider purchasing an umbrella policy in addition to your homeowners insurance to increase your liability coverage.

However, because pools and trampolines can be dangerous, some companies may not insure your property if you own them, or there may be policy exclusions for liability for related injuries. An insurance company may also deny coverage or cancel your policy if you do not follow the policy’s safety guidelines or fail to inform the company when you build a pool or purchase a trampoline.

Check with your insurance provider for rates, discounts and safety guidelines (such as installing a fence or locked gate). If you lease a property with a pool, discuss your insurance options with your agent or insurance company.

Boats
A boat insurance policy provides liability coverage if someone is injured on your boat. It also covers bodily injury inflicted on others and property damage to your boat. These policies may not be suspended during the months your boat is not in use. Read your policy carefully and speak to your agent, because some watercraft policies have minimum or fully earned premiums associated with them.

The personal property coverage of your homeowners policy may cover a small boat for $1,500 or less in physical damage. However, coverage for your liability risk is limited.

Personal watercrafts, such as jet skis, often require a separate policy that may be offered by your homeowners’ insurer. Talk with your insurance agent and get quotes from other companies to understand your options.

All-Terrain Vehicles (ATVs)
ATVs are not covered by standard automobile insurance policies, but your homeowners policy may partially cover liability. Ask your agent if you have sufficient coverage on your homeowners policy. Also, ask about age restrictions regarding who may operate the ATV or if the policy covers friends and family.

Traveling
Whether you’re leaving home for a weekend getaway or a long road trip, be aware of what your homeowners or renter’s policy will cover while you’re gone. Typically, your homeowners insurance will follow you, protecting you even while you’re not at home.

In addition to your deductible, items will typically have a limit on things like jewelry and furs. If you’re traveling with high-priced items, it’s a good idea to get separate insurance coverage for these items. Check with your agent or company.

More Information
Contact the Kansas Insurance Department’s Consumer Assistance Division at 800-432-2484 for more information. Visit the NAIC’s www.insureuonline.org to learn more about the health, home, life and auto insurance options that best fit your needs.