Q&A with John Wiscaver
Summer comes with added risks,
OK insurance professional says
Q: What are some unique insurance issues to consider for summer?
A: Summertime brings increased risks that come with outdoor activities. For example, there were 4,062 recreational boating accidents in the U.S. in 2013 with about $39 million in property damage as a result, according to the U.S. Coast Guard. Before you hit the lake, use your pool or take off for a summer vacation, review your insurance policies to ensure you and your family are properly covered.
Q: How can homeowners make sure they’re protected this summer?
A: Homeowners insurance may not provide enough coverage if you have a pool, and some policies may even exclude pools. Consider boosting liability coverage using an umbrella policy if available, which increases your coverage beyond what you might have on other policies. As far as watercraft are concerned, if you have a canoe, small sailboat or small motorboat with less than 25 mph horsepower, your homeowners or renters insurance may be sufficient. For larger and faster boats, you’ll want a separate marine policy. The cost will depend on your boating experience, type of boat, location you’ll be using it and safety equipment on board. Proper insurance will pay not only if your boat is accidentally lost or damaged, but also for damage or injuries to others.
Q: What about insurance coverage for vehicles?