Summer Toys, Big Risks: What’s Actually Covered on Your Home Insurance?

Serving Port Jervis and Orange County, NY

Backyard BBQs, pool parties, and weekend ATV rides—summer in New York is made for outdoor fun. But while your summer toys bring excitement, they can also open unexpected gaps in your home insurance coverage.

At Quick Insurance, we help homeowners in Port Jervis and across Orange County make sure their policies keep up with the season—because not everything fun is fully covered.

1. Pools & Trampolines = Liability Risks

Pools and trampolines are summer staples, but they’re also considered “attractive nuisances”—meaning they come with increased liability for injuries. Even if a neighborhood kid sneaks into your yard and gets hurt, you could be held responsible.

What to do:Check your liability limits and ask about personal umbrella insurance to boost protection.

2. ATVs, Dirt Bikes & Golf Carts

If it has wheels and an engine, don’t assume your homeowners policy covers it. Many policies exclude motorized vehicles—even if you only drive them on your own property.

What to do:Explore powersport & toy insurance for ATVs, UTVs, and off-road vehicles.

3. Boats & Personal Watercraft

Smaller watercraft (like kayaks) may have limited coverage under your homeowners policy, but motorized boats, jet skis, and sailboats often need separate policies.

What to do:Ask about watercraft insurance to make sure your summer rides are fully protected on and off the water.

4. Backyard Accidents

Hosting friends and family this summer? Slippery patios, broken chairs, and even hot grill mishaps can lead to unexpected injuries and claims.

What to do:Review your personal liability coverage and medical payment limits—especially if you host frequently.

5. Coverage Gaps You Might Not Expect

• Fire damage from fireworks

• Storm damage to outdoor equipment

• Theft of gear from your shed or trailer

Many homeowners are surprised to learn their basic policy may not extend to these summer-related scenarios.

Get the Right Coverage Before Summer Heats Up

Quick Insurance helps Port Jervis homeowners and families across Orange County protect what matters most—with policies that go beyond the basics. As independent brokers, we shop multiple carriers to make sure your home, auto, and recreational coverage all work together.

We also provide coverage for:

• Auto Insurance

• Business & Commercial Insurance

• Flood Insurance

• Farm & Agricultural Insurance

• Special Collectibles

• Powersport & Toy Insurance

• Watercraft Insurance

Don’t Let Summer Fun Turn Into a Claim You Weren’t Prepared For

Let’s take a few minutes to review your policy. It’s free, it’s easy—and it could save you thousands in the long run.

Call or message Quick Insurance today to make sure your coverage holds up this season.