Memorial Day is a time to honor those who made the ultimate sacrifice for our country—and it’s also the unofficial kickoff to summer. Whether you’re hosting a backyard barbecue, heading out on a road trip, or enjoying the great outdoors, it’s important to keep safety top of mind.
Here are a few Memorial Day safety tips to help you enjoy the holiday weekend while staying protected—and how your insurance coverage can play a key role:
1. Road Trip Ready? Drive Safely & Stay Insured
Memorial Day weekend is one of the busiest travel times of the year. If you’re hitting the road, check your car’s tires, brakes, fluids, and lights before heading out. Avoid distracted driving and make sure everyone is buckled up.
Insurance Reminder: Double-check your auto policy before traveling. Do you have towing and roadside assistance? What’s your deductible for out-of-town repairs or accidents? It’s better to know before you’re in a bind.
2. Grill Smart
Backyard cookouts are a Memorial Day staple, but they’re also a leading cause of home fires this time of year. Always grill outdoors, away from the house, trees, and deck railings. Keep a fire extinguisher nearby, and never leave a hot grill unattended.
Insurance Tie-In: If you’re hosting a party, your homeowners or renters’ insurance typically includes liability coverage in case a guest is injured. Make sure your policy is up to date—and consider an umbrella policy if you host frequently.
3. Pool & Water Safety
If your weekend involves a pool, lake, or beach, water safety is crucial. Always supervise children, even if they’re strong swimmers. Avoid alcohol while swimming or boating, and make sure your pool is secured with a fence and gate.
Insurance Tip: Pools and watercraft often require additional liability protection. Talk to your agent to make sure you’re covered in case of accidents or injuries.
4. Fireworks: Leave It to the Pros
While fireworks may be tempting, many areas have restrictions for a reason. Fireworks cause thousands of injuries and fires each year. Instead, attend a local display handled by professionals.
Insurance Reminder: Accidental fire damage may be covered under homeowners insurance, but if illegal fireworks are involved, coverage could be denied.
5. Protect Your Home While You’re Away
Heading out of town for the long weekend? Lock up, set your alarm if you have one, and pause mail deliveries. A few simple steps can help prevent break-ins or issues while you’re gone.
Insurance Tip: Most homeowners or renters policies cover theft and vandalism, but taking preventive measures can reduce your risk—and your stress.
Honor the Day. Enjoy It Safely.
As we remember and honor those who served, let’s also take steps to keep our loved ones safe. Memorial Day is about reflection, gratitude, and togetherness—and a little preparation can help ensure your weekend is memorable for all the right reasons.