If you're buying a new watercraft or other toy, or are renting cars and homes, you should consider your summer insurance needs before setting off on vacation.
"I don't think the vast majority gives it a thought," says Bill Wilson, associate vice president for the Independent Insurance Agents & Brokers of America in Alexandria, Va.
"Safety does not take a summertime break," adds Lynne McChristian, Florida representative for the Insurance Information Institute, or III. "That includes knowing your risks and considering your insurance coverage and liability."