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Evaluating Your Summer Insurance Needs

McVey Insurance, CA, Summer Insurance needsFor many people, summer is one of the most active times of the year. From outdoor sports to evening barbecues, summer is a fun-filled season. However, although these summer activities may be exciting and enjoyable, they can also increase your need for insurance coverage. 

Summer Risks

The insurance-related risks you face in summer depend primarily on how you spend your time. For example, if you enjoy riding a motorcycle when the weather is nice, you run the risk of accidents, injuries and property damage. Likewise, if you like to host parties or barbecues, your risk of homeowners insurance claims may be higher in the summer. Other common summer risks include:

– Automobile accidents
– Boating accidents
– ATV accidents
– Sports-related injuries
– Liability claims for injuries occurring on your property

Protecting Yourself

Before the summer begins, review your current insurance policies to determine if your coverage levels are sufficient. If you ride a motorcycle or drive your car more frequently in the summer months, make sure that your insurance policy provides plenty of liability coverage in case of an accident. If you own an ATV, consider purchasing a separate insurance policy to cover it. In addition, if you will be hosting parties at your home, make sure your homeowners insurance policy includes generous coverage for liability claims. Finally, if you or a family member participates in any type of athletic activity during summer, take some time to review your health insurance policy.

For extra protection from liability, consider purchasing an umbrella insurance policy. Umbrella insurance will cover the cost of liability claims that exceed the limits of your other policies, such as homeowners insurance and auto insurance. This additional coverage helps to ensure that you will not be responsible for paying any liability claims out-of-pocket.

Reviewing all of your insurance coverage can be a daunting task. For assistance, consult our office.

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McVey Insurance

Since 1959, McVey Insurance has been serving California’s Central Valley, we are a leader in Personal, Commercial and Life Insurance products.

Are you a business owner looking for competitive insurance? Whether you’re looking for workers compensation insurance, commercial auto coverage, general liability or professional liability for your business, McVey Insurance is committed to finding you affordable and comprehensive insurance coverage, never compromising on protection or quality.  

Are you looking for personal insurance?  Our strong relationships that we have developed with our carriers will help you the valuable protection you need whether it be life insurance, a personal automobile policy, or health insurance in Central California, our experienced agents will take care of you.

If you are a Happy Customer, we would love to hear from you!

McVey Insurance

1231 8th Street Suite 100

Modesto, CA 95354

Office: 209-577-0177  

Fax: 209-577-0288

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McVey Insurance
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1231 8th Street Suite 100
Modesto, CA 95354
Office: 209-577-0177  
Fax: 209-577-0288

McVey Testimonials
I’ve been working with James for about 3 years. He has always gone above and beyond to ensure I have the coverage I need at the best possible price. I don’t have to worry about anything, he handles it all. I’ve had several claims where I felt like he was representing me, not an insurance company. If you haven’t talked to him…You should. Thanks James. Bear W. Modesto, CA
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