Lancaster & Associates Insurance, Inc. Blog
Staying Healthy During Your 2021 Summer Vacation
We’re at the start of summer 2021, and now that the U.S. is reopening following a year of social distancing, many people are planning their first vacations in more than a year. Still, though the pressing threat of COVID-19 might be diminishing, there are still numerous health risks that might threaten you during your travels. They might prove serious if you don’t take proper precautions.
How can you keep yourself safe during your summer vacation? How can you seek care if an unforeseen health issue arises during your travels?
Common Summer Health Risks
When traveling this summer, you will probably encounter a lot more people than you have been around in the last year. You might also encounter a few safety risks that are less related to COVID-19, and more related to environmental and social hazards. These might include risks of:
- Animal or bug bites, as well as insect stings. These bring with them threats of infection, allergic reaction and more.
- Sunburn, sun poisoning, heat stroke and other reactions that might lead to significant internal and external injury.
- Dehydration due to elevated physical activity and humidity present during the summer.
- Sports injuries like broken bones, stress injuries and more.
- Breathing issues related to poor air quality and elevated humidity.
- Water-related injuries
Not to mention, standard health risks can beckon at any time of the year, not just during the winter. So, how do you lower your risk of getting sick?
Preventing Summer Illness
You probably don’t think a lot about illness when you head out for a day of fun in the sun. Still, you should always take practical steps to keep yourself safe and healthy.
Keep sunscreen, bug spray, hats, water, snacks and other items on hand as needed. Use these items to fend off sunburn, dehydration, low blood sugars and bug bites. If you ever start feeling unwell, you can likely take simple steps to protect yourself. As always, don't forget to wash your hands, eat a balanced diet and get plenty of sleep.
Still, if you plan special activities, think about the safety precautions you need to take. Will you need equipment like helmets or harnesses? Should you avoid certain activities if you have special health needs? By making an effort to participate safely, you can likely go about your business with few worries.
Should the worst come to the worst, and you need to seek medical attention, then don’t hesitate to turn to your health insurance. Most plans offer extensive coverage networks, and it is likely that you will be able to find covered care even at your vacation destination (provided you are not traveling internationally). To learn more about how to get the critical care you need while traveling, contact your plan’s provider.
If you need to seek medical attention this summer, turn to your health insurance plan. It will usually cover some or all the costs receiving care, with a few exceptions. If you ever have questions about where to get care, contact our agency or the insurance company.
Review Your Home Insurance For Coverage Limits
Having homeowners insurance on your property is essential to your own security. After all, it helps you both maintain your property and protect your finances in case of hazardous accidents.
However, in order to perform optimally, your policy must be tailored to your property, specifically. You must choose coverage options that will address the risk factors that are most likely to occur in your home. This can change from one property to the next. And, periodically, you will have to update your existing coverage to ensure you are still receiving optimized benefits.
Here are a few things to remember when reviewing your homeowners insurance this year.
Does the Policy Cover Home Updates?
When you build a new addition to your home, renovate a portion of the home, or even install new features like new doors and windows, you add value to the home. You also can chance the safety risks and other liabilities associated with the home. Therefore, your current limits within your property and liability insurance might not be adequate for you.
Have you Bought New Possessions?
Your homeowners insurance will include contents coverage designed to insure your personal belongings. However, if you have bought a lot of new or high-value possessions, then you might need to buy increased coverage. This is particularly important if you plan to insure unique or valuable items, such as collectibles or art. These items might need to be scheduled on your plan for their specific values.
Are There Exclusions on the Policy?
Home insurance policies won’t cover every instance of property damage. Indeed, they will often specifically exclude certain hazards from coverage, namely floods or normal wear & tear. In the former case, floods must be covered with separate flood insurance. In the latter case, normal wear & tear will not fall under most policies’ definitions of covering unexpected or unavoidable accidents.
Do You Have Enough Liability Insurance?
If something happens to a third party that is your fault—for example, if a neighbor falls in your home and gets hurt—then you might have a legal responsibility to repay them. Under the circumstances, liability insurance is the component of your homeowners policy that will help you do so.
Your liability insurance policy will need to minimize your personal financial loss from any liability lawsuit, which can often lead to hundreds of thousands of dollars in costs as you work to settle the charges. Therefore, it’s often recommended that you carry as much liability insurance as reflected by your net worth. Additionally, if you live in a home where you know there are significant liability risks present, then having additional liability insurance can be of merit.
The best thing to do to ensure you have appropriate amounts of homeowners insurance, just contact your agent. We’ll help you determine where your policy leaves room for improvement, and guide you through the process of making the appropriate changes.
Understanding Auto Property Damage Liability Insurance
Auto insurance is mandatory in most states, and most people know that they must have minimum amounts of coverage. However, drivers often don’t realize exactly what coverage is contained within these benefits.
One of these is property damage liability insurance, and this coverage is much more diverse than many think. However, it’s important to understand not only what is covered, but also what isn’t. Here are a few tips for understanding what this coverage includes and how to ensure that you have enough of it.
Property Damage Coverage Pays For The Other Person’s Car
Property damage liability insurance is sometimes called at-fault insurance, because it applies when the insured driver is at fault for an accident. Under these circumstances, most states obligate at-fault drivers to pay not only for their own damage, but also that of others.
It is property damage liability insurance that will pay for these third-party losses when they arise. Suppose that you run a red light, hitting another car in an intersection. The accident is your fault, so at this time your property damage insurance will help you cover the damage done to the other party’s vehicle. It could also cover them for other associated fees, such as the costs of rental cars while their vehicle undergoes repairs. This coverage will not, however, cover damage to the policyholder’s vehicle.
Property Damage Also Covers Other Items
The benefit of property damage liability insurance is that it doesn’t just cover third-party vehicles. After all, cars don’t just hit other cars.
Suppose, for example, that you swerve to avoid a neighbor’s dog, but wind up in their living room instead. Under the circumstances, the damage done to this person’s home will be covered under your liability coverage. It can help cover the replacement costs of these items.
It Is Possible To Have Too Little Property Damage Coverage
Though most states do require liability insurance, they often institute only minimal limits, which might not be fully adequate for the extent of property damage that a third party might sustain. For example, some states only require $10,000 worth of PDL coverage. While this might seem like a lot of money, consider a scenario where numerous vehicles are damaged in an accident that is your fault. The basic policy limits might simply not provide adequate coverage.
Therefore, it is always recommended that you carry higher liability insurance limits. That way, you will face a lower risk of a liability claim exceeding the limits of your actual policy. The good news is that raising your property damage level can still be affordable. Therefore, always work with one of our agents to determine how best you can do so.