Summer in Texas means longer days, backyard barbecues, neighborhood gatherings, and plenty of opportunities for family fun. From splashing in the pool to cruising around the neighborhood, summer toys help create memories that last a lifetime. But have you ever wondered whether these popular items are covered by your insurance?
At The Sterling Insurance Group, we believe in taking an educational approach to insurance. Understanding how your coverage works can help you enjoy the season with greater confidence.
Trampolines: Fun with Added Risk
Trampolines remain a backyard favorite, but they can also increase liability concerns. Some insurance companies may offer coverage with specific requirements, while others may limit or exclude coverage altogether.
If you have a trampoline at home:
- Use safety nets and padding.
- Supervise children at all times.
- Review your homeowners policy to understand any restrictions.
Swimming Pools
Whether it’s an in-ground pool or a large above-ground setup, pools can increase liability exposure.
Consider these safety tips:
- Install fencing with self-latching gates.
- Keep rescue equipment nearby.
- Never leave children unattended around water.
- Ask whether your current liability limits are sufficient.
An umbrella policy may provide an extra layer of protection for families with higher liability needs.
Golf Carts
Golf carts have become increasingly popular in many communities, but homeowners insurance doesn’t always cover them the way people expect.
Coverage often depends on:
- Where the golf cart is used
- How it is titled or registered
- Whether separate coverage is required
It’s worth discussing with your insurance advisor before heading out for a ride.
E-Bikes and Scooters
Electric bikes and scooters continue to grow in popularity among both kids and adults. However, coverage can vary significantly between policies.
Questions to consider include:
- Is it covered for theft?
- Are there liability protections if someone is injured?
- Does the motor size affect coverage eligibility?
Understanding these details before an accident occurs can prevent unexpected surprises.
ATVs and Recreational Vehicles
Four-wheelers and other recreational vehicles provide endless outdoor adventures, but they often require specialized insurance coverage.
A dedicated policy may help provide protection for:
- Physical damage
- Liability claims
- Medical payments
- Uninsured riders
Inflatable Water Slides and Bounce Houses
Planning a summer party? Inflatable attractions are a huge hit with kids, but they can also present liability concerns.
Before renting or purchasing one:
- Confirm whether your homeowners policy has limitations.
- Use the equipment according to manufacturer guidelines.
- Ensure constant adult supervision.
Enjoy Summer with Confidence
The best summer memories happen when families can focus on fun—not unexpected insurance gaps. A quick coverage review can help ensure your favorite summer toys and activities are protected appropriately.
At The Sterling Insurance Group, we’re committed to helping families make informed decisions through education and personalized guidance. If you have questions about how your current policies respond to your summer lifestyle, we’re here to help.
The Sterling Insurance Group
3415 Custer Road, Suite 104
Plano, TX 75023
(972) 964-4825
Because protecting what matters most means understanding the details before you need them.