With an average temperature of 74 degrees, Bloomfield Hills and its residents are basking in the sun. Heavy winter clothing are being packed away, boats are coming out of storage and summer vacation plans are being made—it’s evident that we are all ready for the summer.
Summer activities often heighten risks; keep in mind that “safety does not take a summertime break.” It’s a perfect time to prepare for the summer by assessing your insurance needs. After all fireworks, boats, motorcycles, and ATVs do not exactly exemplify safety.
Are you properly insured for summer? Take some time this month to review your current insurance policies and fill in the gaps with additional coverage. Read our tips on how to mitigate your risks this summer.
Fireworks: In Michigan, where consumer fireworks are legal, many spend their 4th of July firing bottle rockets and aerials into the sky. Although it is a fun and a token summer activity, it is still relatively unsafe. Speak with your home insurance agent to ensure your property is covered for liability and damage to your home.
Boats: Boating during the summertime is extremely enjoyed in Michigan, but like most outdoor activities, it is vulnerable to several risks. It’s essential for owners to have their boat properly covered through an agency that specializes in boat insurance.
Capital Insurance Group’s boat insurance features the following:
- Risks coverage for trailer, hull and machinery, rigging, tender, outboards and personal effects
- Physical damage coverage
- Skippered chartering
Motorcycles: Motorcycles are not covered by a standard auto insurance policy. If you own a motorcycle, it’s important that you protect yourself with liability policies. An agency that specializes in motorcycles, will look at the following
- Your bike’s value
- Your driving record
- Your age
- Your bike’s security accessories
Off Road Vehicles: Off Road Vehicles are not typically covered by a standard auto insurance policy. You may be required to purchase an separate insurance policy for your off road vehicle (ATVs, dirt bikes, side-by-side and full size 4wd)
Protect your summer fun with Michigan’s Capital Insurance Group.
Nobody covers Michigan for auto, home or life insurance like we do at Capital Insurance We specialize in helping our clients cover themselves, their families and their homes against unforeseen damages and injuries. As independent agents, we seek out the best plans from dozens of insurers licensed to operate here in Southeast Michigan and set you up with the most affordable rates and coverages. Call us today for more information about our Bloomfield Hills insurance programs. 888 296 0418