Summer in Spokane brings adventure—boating, barbecues, and backyard fun. But it also brings confusion about what’s really covered. At North Town Insurance, we help our community make confident, informed decisions. So, before you hit the road or host guests by the pool, let’s break down some of the most common summer insurance myths we hear this time of year.
Myth #1: Renters insurance covers items stolen from your car.
Reality: This myth is only partly true. If someone steals personal items like a laptop or backpack from your car, renters insurance may help replace them. However, damage to your vehicle—or theft of permanently installed equipment like a stereo or navigation system—falls under your auto insurance policy, not your renters coverage.
Tip: Lock your vehicle and report any theft to the police. Many policies require both to approve a claim.
Myth #2: My boat is covered under my homeowners insurance.
Reality: Planning to enjoy time on the Spokane River or Lake Coeur d’Alene? Make sure your boat is properly covered. Most homeowners insurance policies only cover small boats with low horsepower, and even then, coverage is limited. For full protection—including liability, theft, and collision—you’ll need a separate boat insurance policy.
Reminder: Don’t assume your home policy is enough. We can help you find the right marine insurance before you head to the water.
Myth #3: Pool injuries are automatically covered by home insurance.
Reality: Home insurance often includes some liability protection, but pool-related injuries aren’t always covered. Insurers may require specific safety measures like fences, locks, or warning signs. And some policies exclude certain pool types altogether.
Takeaway: Always review your policy before summer. Pool ownership can increase your liability risk, so make sure your coverage reflects that.
Myth #4: RVs are fully covered under my auto policy.
Reality: If you’re hitting the road in an RV this summer, double-check your coverage. Standard auto insurance usually doesn’t protect your RV’s interior or contents. Items like kitchen appliances, electronics, personal belongings, and attached equipment (awnings, satellite dishes) may not be included.
Solution: Choose an RV insurance policy built for travelers. It protects your investment inside and out.
Myth #5: Liability coverage protects me if I rent out my home for the summer.
Reality: Renting your home on Airbnb or Vrbo might seem harmless—but standard homeowners policies typically exclude short-term rentals. Since this qualifies as business activity, you’ll likely need an endorsement or a dedicated short-term rental insurance policy to stay protected.
Local Tip: Hosting out-of-town guests for events like Hoopfest or the Spokane County Interstate Fair? Reach out first to ensure your coverage fits the situation.
Stay Protected with North Town Insurance in Spokane, WA
Summer should be full of fun—not insurance surprises. Whether you’re a renter, homeowner, or traveler, the team at North Town Insurance is here to help you navigate coverage with confidence.
Need a policy review or a summer coverage checkup?
We’d love to walk you through your options and bust any other myths you might’ve heard.
Call us today at (509) 483-3030 or visit northtowninsurance.com to get started.
Read the July 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.