During summer, many policyholders may be traveling or hosting summer gatherings of friends and family. While these don't dramatically change insurance needs, many people will benefit from updating or verifying that they have adequate coverage before beginning summer adventures.

For those renting cars or venturing out in their own vehicles, updating auto insurance policies can be helpful. Rental car companies often offer coverage or the vehicle, but some policies may already provide protection. Having insurance coverage for boats and other watercraft is also crucial for incidents involving property damage, bodily injury and theft.

Depending on the terms and conditions of individual health insurance policies, consumers may be covered while traveling. When away from home, it is important that policyholders carry their insurance card with them. Some insurance providers may also offer travel insurance that helps cover incidents, including identity theft, lost baggage or other medical issues.

When at home, it is important that pool owners increase their homeowners policy to include adequate liability coverage. While hosting parties is not typically a threat, having additional liability coverage can ensure homeowners are protected should an injury or other incident occur.