As you enjoy your summer moments with a cold drink in hand, the last concern you want is grappling with insurance claims due to unexpected mishaps. Despite the desire for smooth sailing, accidents do occur, and summer brings its own set of potential claims, including break-ins during vacations, barbecue fires, and damage to outdoor furniture.

Barbecue fires, while a beloved summer activity, warrant caution, especially regarding underinsurance. Significant damage caused by an out-of-control barbecue fire can be covered by home insurance, provided the home is insured for the correct value. Additionally, the rise in garden barbecues increases the likelihood of accidents, potentially leading to compensation claims. Thankfully, most home insurance policies encompass public liability coverage to safeguard against such occurrences.

Jonathan Hehir, MD of Insuremyhouse.ie and Insuremycars.ie, advises homeowners to verify whether their home insurance covers damage or theft of outdoor furniture and costly garden equipment. Items like ride-on lawnmowers may only be covered if stolen from a locked shed, and there could be coverage limits for items left outdoors. Planning an extended vacation? Be aware of your home insurance policy's unoccupancy limitations, usually around 30 to 60 consecutive days, beyond which coverage might lapse upon your return.

Extreme weather events, while more frequent, pose a risk even during Ireland's comparatively pleasant summers. From wildfires to floods, these incidents can cause severe damage. Ensuring adequate coverage is essential. Heeding this advice can prevent significant out-of-pocket expenses in case of underinsurance.

When traveling abroad, potential strikes or work stoppages at airports or ferry ports can disrupt plans. Some travel insurance policies cover such events, but coverage terms vary. Scrutinizing policy details is crucial before purchasing.

Regrettably, one of the most common summer insurance claims relates to burglaries during vacations. Ensuring proper contents coverage is essential to avoid disappointment in case of theft. Activating home alarms before leaving is advisable, as some policies require their use when the house is vacant. Further, consider the unoccupancy period allowed by your insurer, typically 30 days but potentially up to 60 days, before coverage ceases.

In summary, while summer invites relaxation, understanding your insurance coverage is paramount. Mishaps can occur unexpectedly, but adequate preparation can alleviate financial and emotional stress. Reviewing policies, comprehending their terms, and addressing seasonal risks can ensure a worry-free summer. 

Read the entire article in the Irish Examiner.