Summer-proofing your home
As summer rolls in, with its promise of sunshine, holidays and outdoor living, homeowners often shift their focus to leisure and travel. But while you're enjoying the season, your home and belongings may be more vulnerable than you think. This is the perfect time to reassess your home insurance, especially the often underestimated benefits of accidental damage cover and personal possessions cover.
Summer brings joy and risk
Summer is a season of activity. Children are home from school, guests are visiting and outdoor equipment is in constant use. These changes increase the likelihood of accidents and exposure to theft or loss. Consider these common summer scenarios:
- A football through the window during a garden game
- A spilt drink on a laptop while working from the patio
- A dropped phone while hiking or at a festival
- A stolen handbag while travelling abroad.
Without the right insurance, these incidents can turn into costly setbacks.
Why accidental damage cover is a smart move
Accidental damage cover is your financial safety net for life’s little mishaps. It goes beyond standard contents insurance to protect against unintentional damage to your home and belongings.
Key summer benefits include:
- Protection from indoor accidents: Think broken TVs, stained carpets or cracked tiles from dropped items
- Coverage for outdoor living: Barbecues, garden furniture and more are all at risk of accidental damage
- Peace of mind during gatherings: More guests mean more chance of accidents, this cover ensures you’re not left footing the bill.
It’s especially valuable for families with children or pets, where the unexpected is part of daily life.
The importance of personal possessions cover
Summer is synonymous with travelling around. Whether you're heading to the beach, a festival, or a foreign city, your valuables are on the move. Personal possessions cover ensures your items are protected outside the home.
What it typically covers:
- Gadgets: Phones, tablets, cameras and smartwatches
- Jewellery and accessories: Often worn more frequently in summer
- Bikes and sports equipment: Popular for summer adventures
- Luggage and travel essentials: Especially important for international travel.
This cover is essential for anyone who values convenience, continuity and peace of mind while on the go.
A proactive approach to protection
Summer is the ideal time to engage customers in reviewing their policies and understanding the real-world value of comprehensive coverage.
Encouraging policyholders to consider accidental damage and personal possessions cover isn’t just about upselling - it’s about aligning insurance with modern lifestyles.
Final thoughts
- Summer increases risk from accidents at home to theft while traveling
- Accidental damage cover protects against life’s unexpected moments
- Personal possessions cover ensures your valuables are safe, wherever your clients go.
Selecting the right home insurance policy involves evaluating specific needs and risks. Customers need to consider factors such as the value of your belongings, the crime rate in their area, as well as any additional coverages they might need. Consulting with an insurance adviser will ensure that their policy is tailored to fit their unique circumstances. Our dedicated team of insurance professionals can act as your in-house expert to lift the burden from your shoulders – all it takes is a referral from you and we’ll do the rest.
