The arrival of summer in the Mid-Atlantic brings a unique set of opportunities and risks. From weekend road trips starting in North Bethesda to boating excursions near Salisbury and community events in Harrington, the season is defined by activity. However, increased travel, higher temperatures, and extreme weather patterns mean that your protection needs to be as prepared as your vacation plans.
As we move through 2022, staying proactive with your coverage allows you to enjoy the warmer months with confidence. Use these essential insurance tips to navigate the season safely and effectively across Maryland and Delaware.
- Review Your Travel and Auto Coverage
Summer is the peak season for road trips. Whether you are heading to the Delaware beaches or commuting through Montgomery County, more time on the road increases the likelihood of an encounter with distracted drivers or mechanical issues.
- Roadside Assistance: Verify that your auto policy includes robust roadside assistance. Summer heat is notoriously hard on batteries, cooling systems, and tires. Having a reliable service to call if you break down between Salisbury and the coast is a vital safety net.
- Rental Car Coverage: If you are flying to a destination and renting a car, check your existing policy before paying for the expensive insurance offered at the rental counter. Many personal auto policies in Maryland and Delaware extend to rentals, saving you money while maintaining your protection.
- Liability Limits: With more travelers on the road, 2022 is the right time to review your liability limits. Higher traffic density in areas like North Bethesda means that a multi-vehicle accident could quickly exceed low-limit policies.
- Watercraft and Recreational Vehicle Safety
For many residents in Salisbury and Harrington, summer isn’t complete without time on the water or the trails. These specialized vehicles require specialized insurance.
- Boat Insurance: A standard homeowners policy offers very limited protection for boats. You need a dedicated marine policy that covers physical damage, liability for guest injuries, and even fuel spill protection. Before launching in the coastal bays, verify that your navigation limits cover the specific areas you plan to explore.
- Personal Watercraft (PWC): Jetskis and wave runners are high-speed machines that carry unique risks. Ensure your PWC policy includes liability for towed skiers or tubers, as well as protection for any specialized gear you keep on board.
- ATVs and RVs: If you are taking an RV across state lines or using an ATV on rural property in Harrington, verify that your coverage is active and accounts for the specific terrain and usage of the season.
- Prepare for Storm Season
Summer in our region often brings sudden afternoon thunderstorms and the start of hurricane season. High winds and heavy rain can cause significant property damage in a short amount of time.
- The 30-Day Rule for Flood Insurance: Standard homeowners insurance does not cover flood damage. If you live in a coastal area like Salisbury or near low-lying land in Harrington, you need a separate flood policy. Crucially, these policies usually have a 30-day waiting period before they become effective. You cannot wait for a named storm to appear on the radar to secure this protection.
- Tree Maintenance: Dead or weakened branches are a liability during high winds. Proactively trimming trees near your home in North Bethesda reduces the risk of branches falling on your roof or power lines during a summer storm.
- Inventory Update: Use your phone to take a quick video of each room in your home today. Having a digital record of your belongings makes the claims process much faster if you experience storm-related losses.
- Home Security and “Vacation Mode”
While you are away enjoying the summer, your home remains vulnerable to theft or undetected maintenance issues.
- Smart Home Discounts: If you have installed smart water leak detectors or security cameras at your property in North Bethesda, let your agent know. Many carriers offer discounts for these protective devices.
- The “Lived-In” Look: Use timers for your lights and have a neighbor collect your mail. Burglars look for signs of vacancy during the peak vacation months.
- Liability for Summer Gatherings: If you are hosting a backyard BBQ or a pool party in Harrington, remember that you are liable for the safety of your guests. Ensure your walkways are clear of tripping hazards and that your pool area is properly secured with a locking gate.
- Life Changes and Seasonal Updates
Summer is a popular time for major life milestones, such as getting married or purchasing a new home.
- Scheduled Personal Property: If you received a high-value gift like an engagement ring or purchased expensive new outdoor equipment, these items may exceed the sub-limits on a standard homeowners policy. Adding a “rider” or “floater” to your policy ensures these specific items are covered for their full value.
- Teen Drivers: With school out, teen drivers are on the road more often. If your student has recently earned their license in Salisbury, adding them to your policy is a legal requirement. We can help you look for “good student” discounts or telematics programs that reward safe driving habits to help manage the cost of adding a young driver.
Why Local Support Matters in 2022
Staples and Associates is deeply rooted in the communities of North Bethesda, Salisbury, and Harrington. We understand the regional weather patterns, the local traffic risks, and the specific insurance requirements for Maryland and Delaware.
When you work with a local agent, you get more than a policy; you get a partner who knows your neighborhood. We help you navigate the complexities of the 2022 insurance market to find the best value without sacrificing the quality of your protection.
Stay Protected All Summer Long
Summer should be a time of relaxation and recreation. By taking a few moments to review your coverage and prepare your property, you can minimize the impact of the unexpected. Whether you are on the water, on the road, or enjoying your own backyard, Staples and Associates is here to provide the support you need.
If you have questions about your current limits or need to add a new vehicle or watercraft to your plan, reach out to one of our three convenient locations.
Contact Our Team:
- North Bethesda, MD: 240-848-0355
- Salisbury, MD: 410-546-3999
- Harrington, DE: 302-398-3276
Visit us at staplesagency.com for more tips on staying safe and protected throughout the 2022 season. Have a wonderful and secure summer!