þ Sunglasses…check!
þ SPF 15…no…30….check!
þ Beach towel…check!
þ Bathing suit…check!
þ Book…check!
þ Extra Liability Insurance…chec…huh? what? Liability for the beach?
No. I didn’t stutter, I said extra liability. I know what you are thinking, “Amy, this is my time to take a vacation, relax, and to not worry about the details.”
But with more people on the road traveling to the beaches whether it be downstate, upstate or any state, you are going to run into more people, both figuratively & literally. Kids are out running around, across your property. You are out at the beach, camping or simply driving to your summer fun getaway, so while liability insurance or the proper coverage probably isn’t on your top priority list, it should be on your list of things to take with you before you go on vacation this summer. With more people comes more change of accidents or something happening. Nobody plans for an accident, that’s why its called one in the first place. But when it happens, the last thing you want to have to worry about is a claim gone wrong or not enough coverage. Not enough coverage is like getting rained out at the beach. Be prepared this summer. Make sure you have enough liability.
You want to be sure that if one of the neighborhood kids trips and gets hurt on you property you have enough liability. You want to be sure that if you were camping and an accident happened that you have enough medical payments or liability insurance to cover you wherever you are. You want to be sure that if you go on vacation, your home is covered properly. You want to be sure that if you got into a car accident, you have enough coverage, even if the other guy doesn’t.
I know you are thinking now, “Amy, I’m leaving in a few days for the beach. I don’t have time to do ALL of this!” That is what your agent is for. Ask them to sit down for an quick review of what you have to be sure you are carrying enough so that you don’t get burned this summer. It can take less than 20 minutes and can be well worth the time.
Have a Safe & Happy Summer!
