clock March 22, 2018 comments No Comments flowchart Automobile InsuranceHomeowners InsuranceOur Blog tag LiabilitySafety

a parent who was able to get his kids outdoors
Now that spring has sprung, it’s time to get the kids back outside and into the fresh air! However, outdoor activities have their risks so it is important you protect you and your family properly.

Here are a few outdoor activities sure to add spring fun, but pay attention to the ones that may impact your insurance. Your agent will need to know about these activities to adjust your coverage.

Go on a Picnic

Picnicking is an inexpensive, fun way to get the kids outside, explore a new area, enjoy some delectable food, and enjoy quality time together. Spontaneous outings break up the family routine and you can prepare in about fifteen minutes.

Choose simple foods like sandwiches, take-out pizza, and fruit, toss a few drinks in a cooler, and bring along a blanket and some napkins and you’re good to go. Don’t forget to review your auto insurance coverage before you hit the road, too. State minimums do not provide adequate coverage.

Fly a Kite

Learning to fly a kite is a big thrill for kids, and you needn’t go far to do it. A nearby schoolyard, park, or beach free of electrical wires is ideal. If you want to stir up some creativity, try making the kite from scratch or a kit.

Play Hopscotch

All you need is a package of inexpensive chalk and a sidewalk to enjoy hours of fun. Many game variations exist, anyone can play, and it improves strength, balance and coordination.

Alternatively, let the kids create an artistic masterpiece on your patio or driveway. It will wash away with the rain or you can hose it off so they can do it again later.

Camp in the Yard

Camping in the yard doesn’t have to include a tent. If the weather is sufficiently warm, kids can build a blanket fort or teepee instead. Ensure the kids understand these structures aren’t suitable for fires and stick to an LED lantern or flashlights.

Jump on a Trampoline

The trampoline sat idle all winter and the kids are anxious to give it a go. Nonetheless, before their bouncing with their friends you’ll want to talk to your insurance agent to ensure you’re covered.

Many Rhode Island homeowner’s insurance policies may exclude or limit coverage for trampolines or they may require safety equipment. If someone injures themselves while on your property you could bear the brunt of a lawsuit and medical costs without proper coverage.

Have a Weenie Roast

A weenie roast in your backyard fire pit is a great way to spend time with the kids without leaving home. Roast a few dogs and marshmallows, or even make s’mores.

To truly enjoy backyard fun with fire, you’ll want to review your insurance coverage with your local Rhode Island insurance agent, too. While fire is normally a “covered peril”, your insurer may impose fire pit size restrictions. You may also want to increase your liability coverage in case someone injures themselves by the fire.

Have a Blast with Water

Spring is that strange time of the year when it can be as hot as summer on some days and as cold as winter on others. On those hot days, whip out the hose and sprinkler and roll out the slip n’ slide if you have one. You’ll water the grass and you and the kids will have a ball.

Don’t forget to check your liability coverage, too. If one of the neighborhood kids falls instead of slipping and sliding, you’ll want proper protection.

Spring is an exciting, fresh time of year and kids have pent up energy after winter. These are just a few activities you can do with your kids outside to burn off that energy, breathe fresh air, and have fun.

If you haven’t reviewed your insurance recently, it’s time to do it. Get things shipshape so everyone can enjoy spring activities worry-free.

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