Summer Savvy: Essential Warm Weather Insurance Reminders

Personal Lines

As summer storms roll through, it’s crucial to stay prepared and mindful of safety reminders during these months to minimize risks and enjoy the season to the fullest. M3’s Elevate personal lines team can provide you with customized insurance solutions and timely tips to help you prepare your vehicle, recreational vehicle, boat, and property for the changing season.

Warm Weather Storms

During the warmer months, It is important to be extra cautious about your property’s landscaping and trees to prevent storm damage. Regular landscaping maintenance can go a long way in preventing falling trees and damage from debris.

Make sure to trim back any trees that are too close to your home and other structures. Additionally, there is an added layer of complexity if your tree falls on your neighbor’s property.

It is worth noting that most insurance carriers have limited coverage for debris removal, meaning there may be limited debris removal built into your policy. Your M3 client executive can walk you through the details of your current policy, address questions, and offer further recommendations.


Vehicles stored throughout the winter months are required (in most states) to have liability insurance coverage. When you decide to take your vehicle out of storage, call your M3 Elevate client executive to increase your coverage by adding comprehensive and collision at the start of the season.

Recreational Vehicles

Planning to use a recreational vehicle this season? Whether it’s an ATV, RV, or anything in between, it’s crucial to inform your insurance carrier if you’ve recently replaced or purchased one. So, the next time you hit the trails with your ATV or take a trip with your RV, remember that our team is here to ensure you are fully protected!


If you are planning on spending time on the water this season, remember to check your insurance coverage, safety gear, flares, fire extinguisher, first aid kit, and life jackets before heading out. Boater registration and insurance policy papers with claims contact information should always be on board with you. For claim purposes, we recommend boaters take inventory of all equipment, personal items, and outfitting.

Chubb1 has recently released a survey collecting common maintenance errors from boaters. The following are a few of the major maintenance errors to watch out for:

  • Incorrect battery installation
  • Lack of smoke detectors on boats that exceed 26’ in length with accommodation spaces for sleeping
  • Lack of vapor detectors on gasoline powered vessels
  • Lack of carbon monoxide detectors on gasoline powered boats with berths
  • Lack of throwable device (ex: ring) with proper line
  • Loose or unsupported electrical wires throughout the boat
  • Unsatisfactory condition of life jackets / improper storage of life jackets

Boats and watercrafts are an excellent pastime for owners, but they do come with risks. Check out this article for an essential checklist of items owners can leverage this boating season. Remember, it is always a good idea to do a thorough inspection of the hull before hitting the water!

If you are currently looking to purchase a new boat or trade in your old one, contact us. M3’s Elevate personal lines team can offer expert advice on the appropriate insurance options based on your specific boat and needs. In selecting your coverage, our team can help ensure the value of the vessel is fully reflected – including any additional “bells and whistles.”

Additional Resources:

National Highway Traffic Safety Administration: Summer Driving and Road Tips
National Weather Service Safety Tips

Key Takeaways:

By following these simple reminders from our M3 Elevate team, you will be better prepared for the warmer weather and all the fun activities that come with the spring and summertime. With our team by your side, you can relax knowing you are covered.

For further questions surrounding these timely reminders & tips, please reach out to your M3 client executive.

Source: 1 Chubb Reference Guide

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