"What If" Summer Scenarios (That Could Really Happen)
Summer is here—and with it comes sunshine, grilled burgers, poolside laughs, road trips, and unforgettable memories. But as much as we all love the season, it doesn’t always go off without a hitch. At Hawaii Island Insurance, we’ve helped many people navigate summer surprises with the help of good insurance coverage.
So we thought we’d share a few real “What If” scenarios we’ve come across over the years (yes, they really happened!)—and how your policy might be there to save the day.
What if your neighbor’s firework lands on your roof?
If fireworks are legal in your area and cause a fire, your homeowners insurance will likely help cover the damage. If they’re illegal, though… things get a bit trickier.
Not sure what’s legal or what your policy says? Don’t worry—we’re just a phone call away.
What if your dog bites your cousin at the BBQ?
We all love our pets, but sometimes they get overwhelmed during summer get-togethers. Most homeowners policies include liability coverage for pet incidents—but not all.
Some policies exclude certain breeds, and limits can vary. It’s worth checking to make sure your best friend doesn’t leave you with an unexpected bill.
What if someone slips by your pool?
Backyard pools are great for cooling off, but they’re also one of the most common places for injuries. If a guest gets hurt, your liability coverage could help.
Want extra peace of mind? Ask us about umbrella insurance. It’s an extra layer of protection for the unexpected.
What if your teen crashes your car on a road trip?
Summertime and teen drivers—what could go wrong? If your teen is listed on your auto policy, their road trip fender bender is probably covered.
If they’re not listed? That’s a whole different story. We’ll help you check your policy and make any updates before they hit the road.
What if your boat hits a dock (again)?
We’ve all seen a “gentle” docking go not-so-gently. With the right boat insurance, you’re likely covered for damage to your boat—and the dock.
We can also help with coverage for towing, theft, and vandalism. Whether you're out on the lake or moored at the marina, we’ve got you.
Let’s make sure your summer is covered.
If any of these “what ifs” got you thinking, we’d love to help. Give us a call at 808-961-3207 or click the button below to request a quick quote or policy review.
Friendly, local, and here when you need us—especially after the fireworks.
Hawaii Island Insurance