You’ve got your sunscreen and beach ball. But do you have insurance for summer fun?

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Woo-hoo! Winter has become a distant memory, and it’s time for backyard pools, boat rides and road trips. But before you take a dip, go out on the open water or take your brand-new motorcycle for a spin, be sure you and your loved ones are covered in the event of a summer mishap.

It’s important to evaluate your insurance needs for the season of sun and fun, says Lynne McChristian, Florida representative for the Insurance Information Institute.

“Safety does not take a summertime break,” she says. “That includes knowing your risks and considering your insurance coverage and liability.”

“I don’t think the vast majority gives (insurance) a thought,” adds Bill Wilson, director of the Independent Insurance Agents & Brokers of America’s Virtual University.

But that majority doesn’t have to include you. Here’s what you’ll need.