As summer arrives, so does the season of adventure. From boating and road trips to backyard pools and vacation rentals, June is the perfect time to think about summer safety and whether your insurance coverage is ready for it.
Whether you're enjoying summer activities in Ohio or traveling across the U.S., having the right protection in place can make all the difference. At Wichert Insurance, we think of June as “Summer Safety Month”, a time to prepare not just for fun, but for the unexpected.
Water Activities & Boating
Boating and water sports are summer staples, but they also come with risks. Before heading out on the water:
● Make sure your boat insurance is up to date
● Confirm liability coverage in case of accidents
● Understand who is covered if others operate your boat
Even strong swimmers should take precautions. Life jackets, supervision, and awareness are essential for a safe day on the water.
Motorcycles, ATVs & Recreational Vehicles
Warmer weather means more motorcycles, ATVs, and campers on the road and trails. These vehicles often require separate insurance policies beyond standard auto coverage.
Before your next ride or trip:
● Review your auto insurance coverage
● Make sure motorcycles and ATVs have proper liability and medical coverage
● Check that your RV or camper includes both vehicle and personal property protection 1
Coverage can vary widely, so it’s worth reviewing before your first summer outing.
Pool & Backyard Safety
If you have a pool, trampoline, or plan to host guests this summer, it’s important to think beyond sunscreen and snacks.
● Secure gates and fencing to prevent accidents
● Review safety rules and liability concerns for trampolines and other backyard equipment
● Review your homeowner’s liability protection
● Consider an umbrella policy for additional coverage
Accidents can happen quickly, and having the right liability protection helps safeguard both your family and your financial future.
Renting Equipment on Vacation
One of the most overlooked risks happens when people rent recreational equipment while traveling, such as motorcycles, jet skis, boats, or golf carts.
Many assume their personal insurance extends to rentals, but that’s not always the case.
For example, if rented equipment is involved in an accident, the renter could be responsible for significant repair or liability costs if proper coverage is not in place.
Always ask what’s covered and strongly consider purchasing rental insurance if there is any uncertainty.
A Quick Summer Coverage Checklist
Before you head out this season:
- Review all recreational vehicle policies
- Ask about rental coverage before traveling
- Confirm liability limits, especially for pools and gatherings
- Talk to your agent about any new purchases or activities
- Explore all personal insurance options
Common Summer Insurance Questions
Does my insurance cover rental equipment?
Not always. Coverage for rented motorcycles, boats, jet skis, or golf carts varies by policy. In many cases, your personal insurance may not fully apply, so it is important to check ahead or consider purchasing rental coverage.
Do I need insurance for ATVs or jet skis?
Yes. These are typically not covered under standard auto or homeowner policies. Separate recreational vehicle insurance is often required to cover liability, damage, and medical costs.
Does homeowner’s insurance cover pool accidents?
Homeowner’s insurance usually includes liability protection, but limits may not be high enough for serious incidents. Many homeowners choose to increase liability limits or add an umbrella policy.
Am I covered if I travel out of state?
Most policies extend coverage across state lines, but limits and rules can vary, especially for rented equipment or specialty vehicles. It is best to review your coverage before traveling.
Let’s Make Summer Safe & Stress-Free
Summer should be about making memories, not worrying about “what ifs.” A quick coverage review now can save you from major headaches later.
With offices in Ohio, Florida, and Wisconsin, and clients across the country, Wichert Insurance helps families stay protected wherever summer takes them.
If you are unsure about your coverage or planning a trip involving rentals, now is the perfect time to connect with our team. We are here to help you enjoy summer with confidence.