The summer season and especially the weeks following the Fourth of July, often come with elevated lifestyle risks for affluent households. From hosting guests at summer homes to increased travel and recreational activities, now is the perfect time to review coverage and risk mitigation strategies.
What’s at risk:
1. Luxury Home & Vacation Property Risks
o Increased guest traffic after holiday gatherings
o Fireworks-related property damage or liability
o Pool safety and liability concerns
o Storm and hurricane prep for coastal properties
2. High-Value Personal Property
o Jewelry, fine art, or collectibles taken to/from vacation homes
o Theft risks during travel
o Is your inland marine or valuables coverage up to date?
3. Watercraft and Recreational Vehicles
o Coverage for boats, Jet Skis, ATVs—are limits and operators properly listed?
o Liability coverage for guest use of vehicles
4. Personal Liability Considerations
o Increased social events = increased liability exposure
o Consider excess liability/umbrella reviews
o Domestic staff—are employment practices liability limits appropriate?
5. Travel Insurance & International Exposure
o Medical evacuation policies for international travel
o Coverage for luxury rentals or charters
o Cyber risks while traveling
6. Cybersecurity While Away
o Remote smart home systems and vulnerabilities
o Best practices for family tech security while traveling
Summer should be a time to relax and not worry about insurance gaps. If you haven’t reviewed your coverage since the start of the year, now’s a great time to schedule a mid-year policy check-in. We’re here to help ensure your lifestyle is protected wherever summer takes you.