After a cold and snowy winter, summer brings a time to relax while lounging around at the pool, luxurious trips to the beach and much-needed vacations. Winter can become a distant memory with long sunny days and warm, endless nights. But before you jump into the deep end of your new pool, plan the perfect summer getaway, or take your brand-new motorcycle for a spin, be sure you and your loved ones are covered in the event of a summer mishap.
Travel Accident Insurance
Arranging and taking a big trip is exciting; from picking the perfect destination for your family, to booking all of the flights, hotel rooms, rental cars and excursions. But, what happens when someone in your traveling party becomes sick or injured, and the only thing to do is cancel the trip? Nothing compares to the feeling of money going down the drain when an expensive trip must be cancelled and you are on the hook for a majority of the expenses.
An answer to a sudden cancellation of your summer vacation and travel plans can be protected by travel accident coverage. This type of insurance can even protect against medical emergencies abroad, as well as repatriation costs, and even lost luggage. To take full advantage of travel accident coverage, make sure that you obtain this before you make any major bookings.
We all have heard of the horror stories of accidental deaths that occur while families are on vacation. Car accidents, ski boat collisions and other life altering tragedies can occur when you least expect it. This area of insurance is an area that far too many individuals leave unaddressed, however, it is one of the most critical areas your family will depend on if something happens to you.
Term Life – affordable, level coverage for a certain period of time.
Whole / Universal Life – a bit more expensive, but provides lasting coverage with a cash value, which can be used to fund retirement or borrowed against in difficult times.
Don’t ignore this critical piece of your protection plan. Your family, and those you leave behind, will be thankful you paid attention to this and cared enough to provide for them if the worst should happen.
Personal Umbrella Insurance
Caught in a storm with no umbrella? You could get soaked.
Anyone can “sue you” for just about anything and then everything you own is up for grabs. According to Investopedia, an umbrella insurance policy is extra liability insurance coverage that goes beyond the limits of the insured’s home, auto or watercraft insurance. It provides an additional layer of security to those who are at risk for being sued for damages to other people’s property or injuries caused to others in an accident. It also protects against libel, vandalism, slander and invasion of privacy.
Umbrella insurance is good to have if you have a pool or trampoline. People might also engage in activities that increase their chances of lawsuits, such as:
- Coaching kids’ sports
- Serving on the board of a nonprofit
- Participating in sports where you could easily injure others (skiing, surfing, hunting, etc.).
Before you hit the road on your summer adventures, make sure that your car is fully equipped with all of its insurance needs. With more than 50 years’ experience in insuring cars, trucks, RVs, classic cars and boats, Ross Insurance Agency is committed to getting our clients the best automobile insurance coverage for their needs at a reasonable price.
Our team of locally based insurance agents serves individuals and families right here in Lancaster, PA and surrounding counties, as well as Maryland, Delaware, Ohio, New Jersey, New York and many other states. We take the time to understand your unique situation and then shop the market for coverage at a price that fits your budget. With the guidance and expertise of an agency that puts its customers first, you can be assured that you are getting the most from your insurance dollar.
We invite you to contact us today so you can enjoy a summer of relaxation!