Summer in the South is all about sunshine, cookouts, road trips, and backyard fun — but it’s also a season where a little planning can help you avoid some big headaches.
Whether you’re in Georgia, Texas, North Carolina, or anywhere in between, here are a few ways to stay safe and keep your insurance working for you while you enjoy the season.
🏖 1. Hitting the Road? Double-Check Your Auto Coverage
Summer means travel — and more drivers on the road. Before your next beach run or mountain escape:
- Make sure your auto policy is active and up to date.
- Check your roadside assistance (many policies include this — and it’s a lifesaver in summer heat).
- Got a rental or borrowing a friend’s car? Ask us how coverage works in those cases!
Pro Tip: Comprehensive coverage helps protect your car from non-collision damage like hailstorms or falling tree limbs — both common in summer.
🌩 2. Prep for Pop-Up Storms
Summertime storms in the South aren’t shy — and they don’t always come with a warning.
- Review your homeowners or renters policy: Are wind and hail damage covered?
- Take a quick video walkthrough of your home and belongings — it’s an easy way to document what you own in case of a claim.
- Trim weak tree limbs and clear gutters to help prevent storm damage.
🏊 3. Pool Party? Protect Your Liability
If you’re lucky enough to have a backyard pool (or trampoline, playset, etc.), it’s a good idea to:
- Make sure your guests are safe and supervised.
- Consider umbrella liability insurance for extra protection — especially if your home is the go-to hangout spot.
🔥 4. Fire Up the Grill (Safely!)
Backyard BBQs are a summer staple, but they’re also a common source of fire claims. Keep your cookouts stress-free:
- Keep the grill at least 10 feet from your home or anything flammable.
- Never leave it unattended.
- Make sure your home insurance covers fire damage — just in case.
🏡 5. Headed Out of Town? Don’t Broadcast It
Vacations are fun — but empty homes can be targets.
- Avoid oversharing travel plans on social media.
- Use smart home tech or timers to make your home look occupied.
- Let a neighbor know you’re away so they can keep an eye out.
🌞 Enjoy the Season — We’ve Got Your Back
Summer’s meant to be fun — not stressful. A quick policy checkup now can help you avoid big surprises later. Whether you’re road-tripping through Texas, relaxing in your Georgia backyard, or vacationing along the Carolina coast, we’re here to help protect what matters.
Have questions or want to review your coverage before the next heat wave?
Click or call — we’re always happy to help.
Stay safe, stay cool,
– The EMA Insurance Team
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