Summer in Spokane means sunshine, backyard BBQs, family road trips, and long days by the pool. But while we all enjoy the season, it also brings a spike in summer insurance claims—many of which can be prevented with a little planning.
At North Town Insurance, we help homeowners, drivers, and families across Eastern Washington protect what matters most. Here’s a breakdown of the top five summer insurance claims we commonly see—and more importantly, how to avoid them.
How to Prevent the Most Common Summer Insurance Claims
From grill fires to travel mishaps, here are the seasonal risks that can turn summer fun into an expensive headache—and how you can protect your home, car, and peace of mind.
1. Grill Fires and Outdoor Cooking Accidents
The Risk: Backyard grilling is a summer favorite, but it’s also one of the top sources of home insurance claims during the season. July is the peak month for grill-related fires in the U.S.
How to Avoid It:
- Keep your grill away from your house or wooden structures like decks and fences.
- Clean your grill regularly to prevent grease buildup.
- Supervise your cooking at all times—never leave a grill unattended.
Tip: Review your homeowners policy to ensure fire-related damage is fully covered.
2. Swimming Pool Accidents and Liability Claims
The Risk: Pools are great for cooling off, but they’re also one of the most common sources of summer insurance claims, especially related to liability or injury.
How to Avoid It:
- Install a secure fence around your pool—this is required by Washington law.
- Use safety equipment like pool alarms and floatation devices.
- Never leave children unsupervised in or near the water.
- Consider umbrella insurance for added liability protection.
3. Auto Accidents During Summer Road Trips
The Risk: Summer is peak travel season—and that means more accidents, breakdowns, and insurance claims. Whether you’re driving to Mt. Spokane or heading to the Oregon Coast, you’re at greater risk.
How to Avoid It:
- Get a pre-trip vehicle inspection: Check your tires, brakes, fluids, and battery.
- Plan your route and rest stops: Drowsy or distracted driving is a major cause of summer accidents.
- Double-check your auto insurance: Make sure it includes roadside assistance and collision coverage.
Ask us how to bundle your auto and home insurance for better protection and savings.
4. Storm and Weather Damage
The Risk: While Spokane summers are generally mild, surprise thunderstorms and high winds can still cause tree damage, power outages, and roof leaks—leading to costly summer insurance claims.
How to Avoid It:
- Secure patio furniture, umbrellas, and trampolines to prevent wind damage.
- Trim back tree limbs to reduce the risk of them falling during storms.
- Review your homeowners policy to confirm coverage for wind, hail, or lightning-related losses.
Not sure what your current policy covers? We can help you find out.
5. Theft While Traveling or from Vacation Homes
The Risk: When you’re away on vacation, your primary home—or even your vehicle—can become a target for theft. Stolen personal property is a common yet overlooked summer insurance claim.
How to Avoid It:
- Install a home security system with motion sensors and cameras.
- Use light timers or smart home automation to make your home appear occupied.
- Hold mail and packages through USPS or ask a neighbor to collect them.
- Limit social media updates until you’re back home.
Renters insurance can cover personal belongings stolen while traveling—ask us how!
Final Thoughts from North Town Insurance
Summer should be about enjoying time with family—not filing unexpected insurance claims. The best protection is prevention, and that starts with understanding your coverage and taking smart steps to reduce risk.
Need an insurance review before summer heats up?
Call North Town Insurance today at (509) 483-3030 or visit northtowninsurance.com. We’ll make sure your home, car, and family are covered—so you can focus on making memories.
Stay safe, Spokane—and enjoy a worry-free summer!
Read the June 2025 Edition of our Newsletter: Your Source for the Latest Insurance Industry Insights
Fine Print: This is a general overview with the intention of bringing awareness to coverage options and general industry standards. Coverage varies between carriers and states. Check your policy for specifics.