Smart Insurance Coverage This Summer

Sure, the risk of severe storms and natural disasters increases during the summer months, but there are also plenty of "hidden dangers" you may not always consider. If you're not adequately protected against them, you could find yourself in the middle of an insurance storm.

A family sitting in a car.

Property Insurance Covers More Than Your Home

Home damage caused by intense thunder storms accounts for many homeowner's insurance claims over the warmer months, but so much more can go wrong in and around your home.

Things like bicycles, high-end camping gear, and the cameras you use to record your adventures are expensive items that can be damaged in a catastrophe or fall victim to theft. Luckily, they're often covered by your homeowners insurance or renters insurance policy. But as you accumulate these kinds of goodies over time, it's important to verify that your coverage levels still meet your needs—speaking to your insurance agent is an easy way to make sure your coverage is keeping up with your lifestyle.

Should the unexpected occur, you'll want to have all the information you need to file your claim. Our Allstate Digital Locker—an easy-to-use home inventory iPhone app—is a convenient way to keep a living record of your possessions right in your pocket.

Going Above and Beyond Your Policy Limits

What if a wayward sparkler on the 4th of July caused a burn or set a flammable item on fire? Or how about a backyard BBQ where a faulty grill leads to mayhem?

Consider the additional level of protection that comes with a Personal Umbrella Policy. A personal umbrella policy provides liability coverage over and above your standard auto insurance or homeowners insurance. Basically, it offers protection against large and potentially devastating liability claims or judgments, kicking in right where your other liability coverage stops.

A personal umbrella policy's added protection is a great safeguard if you own a pool, but don't ignore the other potential dangers lurking around your house. Check out our article Is Your Backyard Safe for Summer? to help keep your summer fun accident-free.

Published: June 2011

Two-Wheeled Trips Call for Motorcycle Insurance

As the weather gets warmer, the open road calls. Unfortunately, so do nearly 100,000 annual motorcycle accidents and injuries.2 One way to protect yourself is making sure you use the right safety gear every time you ride. For help making smart decisions, check out our Tips for Buying the Right Motorcycle Gear.

Your auto insurance won't help you on a motorcycle. You'll need motorcycle insurance that protects your bike—and also protects you. At Allstate, coverage starts at about $9 per month, making it a small price to pay for serious protection.

Your Home on Wheels Needs Fixed Protection

If your summer travel plans include an RV or motor home, remember that these special vehicles fall outside the coverage of your regular auto insurance. The good news is that motor home insurance offers specialized protection for you and your family, and even the contents inside.

Plan for Your 4-Wheeled Fun

Many people don't think to insure their all-terrain and off-road vehicles. While their relative size may be small, they can come with outsized price tags. And with so many dips, jumps, turns, and outdoor hazards (like tree limbs!), there's no shortage of things that can go wrong. Off-road vehicle insurance can help protect your investment whether you're riding on back trails in the woods or on the back.

Get Covered Before You Get Drenched

When you set out to boat, you've got more than just fueling your tank to think about. Fun on the water also means having the right safety equipment, emergency service plan, and wreck coverage ready in case you need it—read our What to Put in a Boat Safety Kit article to get a head start.

Protect your boat or personal watercraft with the best boat insurance you can find. Allstate offers a wide variety of boat coverage options and discounts, starting at just $23 a month.

Hot Insurance Protection with Cool Savings

Allstate can help you plan your summer fun with protection in mind. Get an easy no-obligation quote, call us at 1-800-ALLSTATE (1-800-255-7828), or find an agent near you to see how Allstate can help you save and be better protected.

The availability, qualifications and amounts of these coverages and discounts may vary from state to state. In addition, other terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer coverages and discounts that are not listed here. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your Allstate agent.

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