University Insurance Group July 2025 Newsletter



Is Your Home Summer-Ready?
Fire & Storm Protection You Shouldn’t Overlook
As summer heats up, so do the risks. July brings more than just sunny skies and BBQs, it also kicks off peak season for wildfires, severe storms, lightning strikes, and power surges. While you enjoy the best parts of the season, we want to make sure you're protected from the worst.
🔥 Wildfire & Fire Risks
Drier days and higher temps can spark fires faster than you think, especially if you live near wooded areas or in zones prone to brush fires. Standard Homeowners policies typically cover fire damage, but the amount and limits of your coverage might not reflect today’s rebuilding costs. A policy review can help you avoid being underinsured when it matters most.
🌩️ Storm Damage
Sudden summer storms can cause wind, hail, and water damage along with fallen trees and roof leaks. We recommend checking:
- Do you have replacement cost coverage for your home and personal property?
- Are floods or water backups excluded in your policy?
- Do you have enough coverage for detached structures like sheds, garages, or fences?
⚡Power Surges & Lightning
Electronics and appliances are vulnerable to lightning-related power surges. Some policies may exclude this or offer limited coverage. A quick policy review could save you thousands in damages.
✅ What You Can Do Now:
- Schedule a free Homeowners insurance review with our team.
- Ask about endorsements for valuables, water backup, or equipment breakdown.
- Double-check your deductibles and coverage limits before a storm hits.
Your HOME is your biggest investment. Let's make sure it stays protected year-round!


It’s tempting to focus only on the price when shopping for insurance but what really matters is what that policy does for you. Because the cheapest policy isn’t always the one that truly protects you. Life changes, so do property values, repair costs, and risks. A low premium might mean missing coverage when you need it most like after a storm, fire, or major repair. Reviewing your coverage ensures you're properly protected when it matters most, not just saving a few dollars upfront. It’s about value, not just price. Let’s make sure your policy actually fits your life today not last year.

MARK YOUR CALENDAR
Here are some notable dates you don't want to miss, along with ways to celebrate each:
- July: National Vehicle Theft Prevention Month A vehicle is stolen every 32 seconds in the U.S. Take time this month to review simple steps to protect your car, from parking in well-lit areas to never leaving keys inside. Read these tips from the National Highway Traffic Safety Administration (NHTSA)
- July 4: Independence Day: Celebrate Safely! Whether you're watching fireworks, grilling with family, or heading to the lake, take a moment to celebrate freedom.
- July 11: National Cheer Up the Lonely Day + 7-Eleven Day A simple act of kindness - a text, a phone call, or a quick coffee can go a long way. And here’s a fun bonus: The well-known convenience chain 7-Eleven often hosts a Free Slurpee Day on July 11 to celebrate its birthday. A sweet reason to stop by and share a frozen treat with a friend.
- July 15: National Pet Fire Safety Day Pets are family, too. Take a few minutes to make sure they’re included in your emergency plan. Check smoke alarms, apply pet alert window stickers, and ensure leashes or carriers are easily accessible in case of an emergency.
- July 20: National Ice Cream Day Celebrate summer the sweet way, and keep your wallet happy. Major chains like Dairy Queen, Baskin-Robbins, and Cold Stone usually offer deals and coupons through their apps. You might score free Dilly Bars, $5-off coupons, or even free scoops with a purchase.
- July 30: International Day of Friendship Friendship boosts happiness and well-being, and it’s worth celebrating. Reach out to someone you haven’t seen in a while, or surprise a friend with a kind note or small gift.


That's all Folks!
Thanks for reading this month's newsletter.
If you have any insurance needs, questions, or concerns, please reach out.
We are here to help.