Ahhh, summer. The pool! The boat! The risks? For those times when vacation takes a decidedly painful turn, be prepared with the right insurance.
If you're buying a new watercraft or other toy, or are renting cars and homes, you should consider your summer insurance needs.
"Safety does not take a summertime break," says Lynne McChristian, Florida representative for the Insurance Information Institute, or III. "That includes knowing your risks and considering your insurance coverage and liability."
"I don't think the vast majority gives it a thought," adds Bill Wilson, associate vice president for the Independent Insurance Agents & Brokers of America in Alexandria, Va.
But that doesn't have to include you. Here's what you'll need.