The temperature is rising and the sun is shining, but before you put the boat on the lake or let the kids play on the trampoline, the National Association of Insurance Commissioners (NAIC) offers these tips to review your coverage to make sure you and your family are insured for the increased risks that come with outdoor activities:

Boats

The personal property coverage of your home-owners policy might cover a small boat for $1,500 or less in physical damage. However, coverage for your liability risk is limited. Insurers generally provide liability insurance on small sailboats (26 feet or less) and powerboats with small motors (50 hp for inboard and inboard/outboard and 25 HP for outboard motors). However, a boat of any significant size will be excluded from your homeowners policy for both property and liability coverage. If you own a larger boat, ask your insurance agent or company about a separate policy that covers physical damage to the boat and any liability that might result from its use.

Personal watercraft, such as Jet Skis, will also likely require a separate boat insurance policy. Again, you might be able to purchase this policy from your home-owners insurer or you might wish to use an insurer that specializes in boat insurance. Talk with your insurance agent or company about your options.

Backyard Fun – Pools and Trampolines

Pools and trampolines, while fun for the family are also dangerous and will increase your insurance risk. It is important to check with your insurance agent or company to make sure you are properly insured for this risk. You might want to consider purchasing an umbrella policy to provide liability coverage above what your home-owners policy offers. Be sure to ask if your home-owners policy specifies any safety measures you are required to install, such as a certain height fence or locked gate.

Some companies might not insure your property if you have a trampoline, or they might have policy exclusions for any liability related to trampoline injuries. Be sure to understand exactly what damages and injuries your home-owners policy covers before you allow anyone on the trampoline.

An insurance company can deny coverage or cancel your policy if you do not follow the policy safety guidelines or do not inform the company when you install a pool or purchase a trampoline. Check with your insurance agent or company for rates and safety guidelines before making your purchase.