Summer is time for spending lazy days cruising around a lake in a boat or traveling down country roads on a motorcycle. While you're inspecting life vests and polishing chrome to prepare for these excursions, don’t forget to ensure your boat and motorcycle insurance are up to date. Hummel Insurance Services of Oakland, IA, is your source for excellent products and points out three questions to keep in mind when you check your coverage. 

3 Considerations for Your Boat & Motorcycle Insurance This Summer

Did You Renew Your Registration & Policy?

Since your fair-weather toys spend the cold months in storage, check to ensure your registration is valid and your insurance is still in effect. Your motorcycle or boat insurance policy won’t help you if you accidentally let it lapse over the winter, so review the dates to see if it’s current.

Did You Trade up This Year?

If you traded in your old boat or bike for a beautiful new model, you may have simply transferred your insurance over to your new toy. Before you head out to enjoy it, request a new insurance quote and make sure you have enough coverage in the event you have an accident. Consider whether you need additional protection for your more valuable bike or watercraft.

Is Your Safety Gear in Order?

Before you invite friends and family members aboard your boat for a cruise around a lake, make sure you have the life vests, fire extinguishers, and distress signals required by your state. Likewise, check your motorcycle helmet for hairline cracks to ensure it’s roadworthy. Your insurance coverage might depend on using the right safety equipment.

Once you have cleaned up your vehicle and verified your boat or motorcycle insurance is sufficient, you can enjoy long summer days under the sun. If you need to bring your policies up to speed, call Hummel Insurance Services in Oakland, IA, at (712) 482-6424 to discuss your needs with one of their experienced agents. Visit their website to request a quote and learn more about their products and providers. Follow them on Twitter for additional tips and news from the company.