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Fun Summertime Activities to Enjoy

Looking for some fun summertime activities to enjoy with your friends or family? While keeping in mind we should still continue to practice social distancing due to COVID-19, here are a few of our favorite things to do this time of year.

Fun Summer Activity #1: Play with Water

While we generally have nice weather in Southern California year round, there’s something different about playing in the water in summertime. It looks different for everyone, but the key element linking the activities is the water that keeps us cool and refreshed in the summer heat.

Do you have a local beach that isn’t usually too crowded? Head over there to catch some rays, play in the sand and run into the water.

Is there a community pool that tends to be mostly empty every time you see it? Throw on your bathing suit and go for a swim. While many apartment and community pools are still closed, we see some starting to re-open!

Want to stay in the backyard? Hook up the sprinkler or slip-n-slide to your hose and have a blast with your family. 

This is always a great time for the whole family to enjoy!

Fun Summertime Activity #2: Have a Cookout with Family

Nothing like a summertime backyard barbecue with your neighbors, friends, or family! Now that certain restrictions are lifted, consider having a few people over for the ultimate summer cookout. Grab your favorite foods and play your favorite games, like cornhole. 

Fun Summer Things to Do #3: Head Up to the Mountains

Luckily, in Southern California, we are just a couple hours from several mountains! Take a weekend trip and enjoy a hike or swimming in a lake. Usually the mountain air is a bit cooler, giving you relief from the heat. 

While there are many mountain resorts you can stay in, camping is always a great time! If you’re feeling adventurous grab your camping supplies and stay in the great outdoors.

Fun Summertime Activity #4: Eat More Fresh Fruit

Let’s face it- fruit in the wintertime just isn’t as good. It’s usually coming from hundreds, if not thousands of miles away. That means it isn’t as fresh. But in the summer, we’re able to get the best fruit our local farmer’s markets have to offer.

#5: Make Freshly Squeezed Lemonade

You can’t go wrong with lemonade in the summertime! This is a fun activity for your kids to enjoy too.

#6: Have a Picnic in a Park

We have so many beautiful parks in and around Orange County. Pack a picnic basket with your favorite foods and go enjoy lunch in a new park! 

#7: Make Tie-Dye Clothing

Tie-dying clothing is a fun activity for all ages! We recommend doing this outside because it can get messy so summertime is the perfect time of year.

While we have experienced an extremely unconventional year, it’s okay to take time to enjoy your summer! What are some of your favorite summer activities? We would love to hear about them! 

Please feel free to reach out to us with any questions!

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How Umbrella Insurance Plans Save You More

What is Umbrella Insurance Anyway?

Imagine it’s pouring down rain. You are wearing your suede jacket and not happy about the unforeseen weather change. Thankfully you have your umbrella with you: reach in, grab it, and whew! Problem solved! Umbrella Insurance is just like that. You aren’t ruining your suede jacket, but you are protecting your hard-earned savings from life’s accidents. An umbrella liability policy covers much more than your auto and home policies, and can make a long-term difference in your financial health.

Why Do I Need It?

No one likes insurance until they need it; then, they are grateful to have it. The umbrella protects your financial assets from an event you didn’t see coming. Say you were involved in a car accident, and the court decided you were responsible for damages and bodily injuries to the other party. If they were to file a lawsuit against you and you didn’t have an umbrella policy, you would be legally responsible for the damages and that can deplete your savings in a hurry.

What Does It Cover?

It covers the extras that your basic coverage does not. In the case of the car accident, it will cover the extra expenses of the others involved beyond what your normal policy does. It can also cover you for legal fees, false arrest, libel and slander.

Okay, You Have My Attention: How Does It Work?

Let’s go back to the car accident. The court found you liable for the wreck, and there are people who are hurt and a car that is totalled. You are sued and need to pay for your legal defense. Umbrella policies pay once your basic liability limits have been reached.

So Assets Matter!

What are your financial assets? Your house certainly. Add your cars, your investment and retirement accounts, and don’t forget your checking and savings accounts. If someone decides to sue you for a lot of money and you don’t have the policies in place to take care of what the court says you owe, your assets can be liquidated to pay your debts. Imagine that one bad mistake, one traffic accident, can ruin you financially because you did not have an umbrella plan in place.

Got It. How Much Does It Cost?

Our team at Partners Direct Insurance have a mission of making sure we look at each client’s needs individually, in order to design a custom insurance package that works. We want to be sure that you have the coverage you need, without overpaying. Getting an umbrella policy for $1 million worth of coverage can be very affordable. Our team can help design a plan that works for you.

How Much Do I Need?

That depends. Think about a few things, and talk with our partners to get the best deal for you.

  • How risky are you? Do you skydive? Race sports cars?
  • How much are your assets worth? The more property, stocks, and retirement funds to protect, the higher the umbrella policy to consider.
  • What would it cost you to lose your future income? If it would be devastating, you need more coverage.

Can I Write It Off My Taxes?

Generally speaking, personal umbrella policies are not tax deductible. However, if you own a business, an umbrella policy can mean your premium is tax deductible. This is another reason why it is important to have our team counsel you on what works best for your individual needs.

Let’s Talk!

At Partners Direct Insurance, we partner with our clients to make sure they have the best umbrella policy for their particular needs. Call us and we can discuss what makes the most sense for you, to keep you covered!

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