Summer brings sunshine, backyard barbecues, vacations, and renovations—but it also brings unexpected insurance risks many homeowners overlook. As warm weather invites more activity and guests into our lives, it’s important to ensure your insurance coverage keeps up with the season. At Van Dyke Rankin Insurance, we’re here to help Bryan, College Station, and Brazos Valley residents navigate summer safely and confidently.
1. Pool Parties & Backyard Gatherings: Is Your Liability Covered?
There’s nothing quite like a pool party to beat the Texas heat. But what happens if a guest is injured on your property? Many homeowners assume their standard insurance covers these scenarios, but liability limits may fall short. Consider a personal umbrella policy to provide extended protection beyond your homeowners insurance—especially if your property includes higher-risk features like pools, trampolines, or fire pits.
2. ATVs, Boats, and RVs: Are Your Toys Properly Insured?
Whether you’re cruising down back roads on an ATV or heading out for a lake day, recreational vehicles bring excitement and risk. Many assume their homeowners or auto policy automatically covers these assets—but that’s often not the case. A dedicated recreational vehicle policy ensures your summer toys are protected from theft, damage, or accidents.
In Brazos Valley, where off-road and water-based activities are common, these policies aren’t optional—they’re essential.
3. Road Trips & Vacations: Rethink Auto and Travel Insurance
Planning a cross-country road trip or a quick getaway? Be sure to revisit your auto insurance before you hit the road. From roadside assistance to rental car coverage and protection from uninsured motorists, small gaps in your policy can become big headaches mid-journey.
Also, don’t overlook travel health coverage—especially if you’re heading out of state or abroad. It’s a small step that can save thousands in emergency expenses.
4. Summer Renovations: Are You Covered During Construction?
Summer is the peak season for home upgrades. Whether it’s a kitchen remodel, patio addition, or garage conversion, home renovations can expose you to new risks. Make sure your homeowners policy reflects the increased value of your property and includes coverage during the construction phase.
In growing communities like College Station and Bryan, property improvements are common. Make sure your insurance evolves with your home.
5. Why Now Is the Time for a Policy Review
The truth is, insurance isn’t “set it and forget it.” Life changes with the seasons—and so should your coverage. A quick summer insurance review can reveal overlooked gaps and prevent costly surprises later.
Our agents are here to offer customized policy audits, ensuring that every aspect of your summer—from poolside parties to weekend getaways—is backed by comprehensive, up-to-date protection.
Promote a Safer, Smarter Summer
Summer fun shouldn’t come with hidden liabilities. Whether you’re hosting, traveling, or renovating, make sure your policies are built to support your lifestyle. Residents across Bryan, College Station, and the Brazos Valley trust Van Dyke Rankin to deliver expert advice and dependable coverage all year long.
Contact us today to schedule your summer insurance review—and enjoy the season with peace of mind.
About Van Dyke Rankin & Company
Van Dyke Rankin & Company is a trusted commercial real estate firm serving Bryan, College Station, and the greater Brazos Valley region. With decades of experience and deep roots in the local community, our team specializes in commercial brokerage, property management, and investment real estate. Our client-first approach and commitment to integrity have made us a leader in Southeast Central Texas commercial real estate. Learn more at vandykerankin.com.
