Summer in Texas means road trips, vacations, backyard projects, pool parties, and long days outdoors.
It's also the perfect time to review your insurance.
Many homeowners make changes throughout the year without realizing those changes could affect their coverage. Whether you've purchased a new vehicle, renovated your home, added a teenage driver, or bought a boat for the lake, your insurance should keep up with your life.
At Mauceri Bynum Insurance, we recommend a mid-year insurance review to make sure your Auto, Homeowners, Umbrella, and Recreational Vehicle coverage is ready for the second half of the year.
Have you purchased a new vehicle this year?
Added a driver?
Started working from home?
Changed jobs?
All of these can impact your insurance needs.
Many Texans are still carrying liability limits that were selected years ago and may no longer be sufficient.
We typically recommend at least:
✔ $100,000 Bodily Injury per person
✔ $300,000 Bodily Injury per accident
✔ $100,000 Property Damage
With the average cost of vehicles continuing to rise, carrying higher liability limits can help protect your assets if you're involved in an accident.
Summer often brings:
Comprehensive coverage helps protect your vehicle from many of these unexpected events.
Construction costs across Texas continue to rise.
If you haven't reviewed your homeowners insurance in a few years, your dwelling coverage may no longer reflect current rebuilding costs.
Recent home improvements may also impact your coverage needs, including:
✔ Kitchen renovations
✔ Bathroom remodels
✔ Outdoor kitchens
✔ New roofs
✔ Room additions
✔ Detached structures
Updating your policy now can help avoid surprises after a claim.
One of the most misunderstood parts of a Texas Homeowners Insurance Policy is water coverage.
Many homeowners assume all water claims are covered.
Unfortunately, that's not always true.
Review your policy for:
✔ Hidden & Slow Water Leak Coverage
✔ Water Backup Coverage
✔ Foundation Water Coverage
These coverages are commonly excluded from standard homeowners policies unless specifically added by endorsement.
💡 Water damage remains one of the most common and expensive homeowners insurance claims in Texas.
Summer often brings new backyard upgrades.
While these additions can create lasting memories, they can also increase liability exposure.
Examples include:
If you've added any of these features, it's important to review your liability coverage and discuss whether an Umbrella Policy makes sense.
Texas lake season is in full swing.
Have you purchased any new recreational vehicles this year?
Examples include:
✔ Boats
✔ Jet Skis
✔ Motorcycles
✔ ATVs & UTVs
✔ Campers
✔ RVs
✔ Utility Trailers
Many of these require separate insurance policies and are not automatically covered under your homeowners policy.
As your assets grow, so should your liability protection.
An Umbrella Policy provides additional liability coverage above your home and auto policies.
Benefits include protection for:
✔ Personal assets
✔ Savings accounts
✔ Future earnings
✔ Rental properties
✔ Recreational vehicles
Many umbrella policies start at $1 million in additional liability protection and are often more affordable than homeowners realize.
Many homeowners wait until renewal to review their insurance.
The problem?
By then, you're already facing the new premium.
Shopping your insurance before renewal allows you to:
✔ Compare multiple carriers
✔ Review coverage options
✔ Identify potential savings
✔ Improve protection
As an independent insurance agency, Mauceri Bynum Insurance represents multiple top-rated carriers and can help compare options side-by-side.
Summer is a great time to clean out closets, organize the garage, and tackle home projects.
It's also the perfect opportunity to make sure your insurance is keeping pace with your life.
A quick review today could prevent costly surprises tomorrow.
Whether you need Auto Insurance, Homeowners Insurance, Umbrella Coverage, or protection for your summer toys, our team is here to help.
👉 Start your quote online today:
https://www.agentinsure.com/compare/auto-insurance-home-insurance/mauceriagency/quote.aspx
Mauceri Bynum Insurance has proudly been voted Best of McKinney for 12 years in a row.
📍 Located in Historic Downtown McKinney Square
301 E Virginia Street, Suite 201
McKinney, TX 75069
Stop by, call us, or start your quote online today—we're here to help protect what matters most.
Local Service. No Broker Fees. Real People. Real Protection.
