Consumer Corner
5 Summer Safety Risks Homeowners Often Overlook When Hosting
Summer is the perfect season for gathering outdoors with friends and family, but if you’re a homeowner planning to host barbecues, pool parties or holiday celebrations this year, it’s important to consider the potential safety and liability risks that may be affecting your own backyard. Set your summer up for success by paying special attention to these five often-overlooked seasonal safety risks.

5 Summer Safety Risks Homeowners Often Overlook When Hosting
(Feature Impact) Summer is the perfect season for gathering outdoors with friends and family, but if you’re a homeowner planning to host barbecues, pool parties or holiday celebrations this year, it’s important to consider the potential safety and liability risks that may be affecting your own backyard. A little advance planning can help you ensure that your guests enjoy safe, healthy experiences at your home and leave with only happy memories.
According to the U.S. Consumer Product Safety Commission, thousands of injuries each year are linked to fireworks, grills and swimming pools. While most summer gatherings end without incident, Mercury Insurance is encouraging homeowners to remember that smart preparation can help you avoid unfortunate accidents and costly damage.
“A few simple safety checks can help homeowners create a safer environment for everyone while protecting the property they’ve worked hard to build,” said Larry Anderson, underwriting operations director at Mercury Insurance.
Set your summer up for success by paying special attention to these five often-overlooked seasonal safety risks.
Guest Injuries and Liability Risks
Since summer gatherings naturally increase foot traffic around a property, it should be safe to walk around. Uneven walkways, loose decking, poor lighting and pet-related incidents can all lead to injuries that homeowners may not anticipate.
Before hosting events, audit your property to repair trip hazards and ensure walkways and outdoor gathering areas are well-lit. If you have pets that may become stressed around large groups, secure them before guests arrive. Since unforeseen events can still occur despite your best efforts, review your liability coverage to understand available protections.
Unsupervised Pool Areas

Swimming pools can provide endless summer fun, but they also present one of the most serious safety risks around the home. Drowning remains a leading cause of accidental death for young children, making active supervision essential whenever children are near water.
If your backyard includes a pool, ensure that gates and barriers are functioning properly, keep rescue equipment nearby and consider pool alarms and self-closing gates for additional protection. Most importantly, never leave children unattended around water.
Backyard Grill Fires
Grilling is a summer tradition, but outdoor cooking equipment can quickly become a fire hazard if used improperly. Placing your grill too close to flammable objects, letting grease build up and leaving the grill unattended can all increase the risk of property damage.
Start by making sure your grill is set up at least 10 feet away from homes, fences and overhangs before you fire it up. Clean grease trays regularly, never leave a grill unattended while cooking and keep a fire extinguisher accessible during outdoor cooking.
Fireworks Too Close to Homes and Landscaping
Fireworks-related fires increase significantly during summer, particularly in dry climates where even one stray spark can ignite vegetation or nearby structures.
The safest option, when possible, is to attend professional displays rather than hosting your own. However, if you’re planning on lighting up your skies this summer, follow all local laws and restrictions regarding fireworks and keep your launch site well away from homes, vehicles and dry landscaping. Have a water source readily available when using legal consumer fireworks.
Outdoor Electrical Hazards
Extension cords, decorative lighting, outdoor speakers and fans often receive extra use during summer gatherings. Damaged cords or overloaded outlets can create shock and fire hazards. As you set up your summer entertainment systems, check your equipment to be sure it’s rated for outdoor use. Keep electrical connections away from pools and water features, avoid overloading electrical outlets and take a few extra minutes before each gathering to inspect outdoor cords for wear and damage.
“Most homeowners focus on making their gatherings enjoyable, but safety should be part of the preparation process,” Anderson said. “Taking a few minutes to identify potential hazards before guests arrive can help prevent accidents and allow everyone to focus on enjoying the season.”
For more home safety resources and insurance information, visit MercuryInsurance.com/Resources.
Photos courtesy of Shutterstock
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Mercury Insurance
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Consumer Corner
5 Smart Ways to Prepare Your Home to Weather Storm Season
By readying your home for storm season in advance, you can prevent minor problems from turning into major damage. Consider these five tips to batten down the hatches when the skies are getting dark.

(Feature Impact) Whether your area is prone to thunderstorms, hurricanes, tornadoes or other forms of severe weather, the best time to prepare is before the first raindrop hits. By readying your home for storm season in advance, you can prevent minor problems from turning into major damage.
Consider these five tips to batten down the hatches when the skies are getting dark.
Check Your Roof and Gutters
Your roof has one job – to be a shield against the elements. Don’t wait for a storm to discover you have loose shingles that could fly off in high winds, cracked seals where the roof meets the walls or sagging gutters that aren’t capable of funneling water away from the house. Stay up to date on roof maintenance and clear leaves, twigs and other debris from gutters to prevent clogging.
Trim Trees and Landscaping
Dead trees or weak branches can break and turn into projectiles during storms, potentially causing damage to your house, car or nearby power lines. Next time you have yardwork on the agenda, factor storm preparation into your landscaping plans. Keep trees and bushes trimmed and consider bringing in a professional to assess the health of any trees near your home that could be at risk of toppling.
Strengthen Your Home’s Weak Spots
Windows and doors are some of the most vulnerable places during storms, so pay extra attention to weatherproofing there. Look for any cracks in the glass, check for worn seals or drafty areas and make sure doors close securely and don’t rattle. If you live in an area prone to strong winds or hurricanes, consider upgrading your home with storm shutters for extra peace of mind when debris starts flying.
Turn Your Yard Into a No-Fly Zone
When there’s bad weather in the forecast, you probably aren’t planning to go out and lounge on patio furniture as the skies open up – so pack it up. Secure any items that are too large to bring inside and check around the yard for lightweight items like gardening tools, toys and anything else that could become airborne during strong gusts.
Make a Power Outage Plan
During a storm, nobody wants to fumble around in the dark trying to find batteries for a dead flashlight. Save yourself the trouble by assembling an emergency kit to help your household get by without power if the lines go down. Know where to find flashlights, fresh batteries, power banks to charge your phones, nonperishable food and first-aid supplies or essential medications. If you plan to use a generator, test it and make sure you know how to use it before you need it.
Discover more tips to protect your home at eLivingtoday.com.
Photo courtesy of Unsplash
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Health
5 Babyproofing Tips for Baby Safety Month
Babyproofing is about anticipating those discoveries before little ones make them. In honor of National Baby Safety Month, consider these tips you can use to make your home safer all year round.

5 Babyproofing Tips for Baby Safety Month
(Feature Impact) Outsmarting a baby can be harder than it sounds – especially when it comes to transforming your home into a safe place for them to explore. Through their eyes, a coffee table becomes a climbing opportunity, a dangling phone charger looks like a teething toy and a cabinet of cleaning supplies could be an exciting travel destination.
Babyproofing is about anticipating those discoveries before little ones make them. In honor of National Baby Safety Month, consider these tips to make your home safer all year round.
Install Gates and Doorknob Covers
Crawling babies and stairs are a bad combination. Make sure the two never have the chance to meet by securely installing safety gates at the top and bottom of staircases to thwart young explorers. Gates or doorknob covers can also block access to other rooms and areas you’d prefer to keep off limits, like kitchens, bathrooms and laundry areas.
Use Safety Latches Wisely
Cabinets and drawers can contain a myriad of dangerous items, from cleaning products to sharp objects and medications. Even if you have rooms gated off, treat safety latches and locked storage receptacles as a second line of defense to make sure babies and toddlers can’t rummage where they shouldn’t.
Stress-Test Furniture
As babies and toddlers transition from crawling to walking, they often try using furniture to pull themselves up. Tall or unstable objects like TV stands, small tables and bookshelves can tip over if they aren’t properly secured. Try giving these objects a shake to see whether they’re easily moveable or wobbly; if so, anchor them to the floor or wall when possible. While you’re at it, check for sharp corners at the right height to bonk little heads and cover them with softer edge protectors.
Cover Outlets and Stow Cords
Electrical outlets can be tempting targets for curious fingers. Outfit them with covers or plastic safety caps, especially if you don’t already have tamper-resistant receptacles with built-in mechanisms to block foreign objects from entering the slots. As you’re going about your outlet audit, pay attention to cords as well. When possible, tuck them away or secure them with cord organizing systems, and block access to objects like lamps where cords can be used for tugging and toppling.
See the World at Their Level
Although it might feel silly, one of the best ways to spot hazards around your home is to scout for them from a baby’s perspective. Try getting as close to the floor as you can then look around each room for anything that could interest a young child and pose potential danger. In particular, keep an eye out for small objects that could become choking hazards, like dropped coins, batteries or loose toy pieces.
As children grow, so do the needs of your space. Visit eLivingtoday.com for more ideas on designing your home to fit your family.
Photo courtesy of Unsplash
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Economy
U.S. Consumer Confidence Slips as Americans Grow More Cautious About the Future
U.S. consumer confidence edged lower in August as Americans became more pessimistic about jobs, income and business conditions over the next six months, despite improved views of the current economy.
NEW YORK — U.S. consumer confidence edged lower in August as Americans expressed greater concern about future business conditions, jobs and household income, even as their assessment of the current economy improved.
The Conference Board reported that its Consumer Confidence Index fell 0.8 points to 89.4 in August, down from 90.2 in July.
The relatively small decline, however, masks a widening gap between how consumers view conditions today and what they expect in the months ahead.
The Present Situation Index, which measures consumers’ assessment of current business and labor market conditions, climbed 6.8 points to 121.2, reversing three consecutive months of declines.
Meanwhile, the Expectations Index, which measures the short-term outlook for income, business and employment conditions, dropped 5.8 points to 68.2.
“Consumer confidence moderated slightly in August for a second consecutive month,” Dana M. Peterson, chief economist at The Conference Board, said in the organization’s Aug. 25 release.
Jobs Look Better Today — But Consumers Worry About Tomorrow
Americans’ perceptions of the current labor market improved considerably during August. About 27% said jobs were plentiful, up from 24.4% in July, while 19.5% said jobs were hard to get, down from 21.7%.
The outlook for the next six months was considerably weaker.
Only 14.6% expected more jobs to become available, compared with 16.4% in July. At the same time, 26.1% expected fewer jobs.
Consumers were also less optimistic about their incomes. About 17.6% expected their income to increase, down from 19.5% in July, while 13.8% expected their income to decline.
Prices Remain on Consumers’ Minds
Inflation continues to influence how Americans feel about the economy. According to The Conference Board, consumers’ written responses frequently mentioned prices, oil and gasoline, food and groceries, trade, jobs, and war or conflict.
Average and median expectations for inflation over the next 12 months also increased slightly.
Interest rates remain another concern. More than six in 10 consumers — 61.3% — expected interest rates to rise over the next year, although that was slightly lower than the 62% recorded in July.
Consumers Are Still Planning to Spend
The softer outlook hasn’t eliminated Americans’ willingness to make purchases.
Auto-buying expectations remained strong on a six-month moving-average basis, while homebuying expectations declined slightly in August but remained on a longer-term upward trend after hitting decade lows in early 2024.
Restaurants, bars and takeout; utilities; and streaming, internet and mobile services ranked among consumers’ leading planned service expenses.
Consumers were less enthusiastic about discretionary activities including movies, personal-travel hotels, airfare, amusement parks, museums and historical sites.
Why It Matters
The August numbers paint a mixed picture of the American consumer.
People are seeing some improvement in the economy they are experiencing today, particularly in the labor market. But their expectations for the next six months are becoming noticeably more cautious.
That divide matters because consumer spending represents a major part of U.S. economic activity. If concerns about employment, inflation and household income begin translating into reduced spending, weakening confidence could eventually become more significant for the broader economy.
For now, the August survey suggests Americans haven’t stopped spending — but they’re increasingly keeping an eye on what may be coming next.
The preliminary August Consumer Confidence Survey was conducted online for The Conference Board by Toluna. The survey period was Aug. 3–16, 2026.
Source: The Conference Board, August 2026 Consumer Confidence Survey®, released Aug. 25, 2026.
STM Daily News Economy News Brief
Sources
- The Conference Board — U.S. Consumer Confidence, August 2026 — Primary source for the August Consumer Confidence Index, Present Situation Index and Expectations Index.
- The Conference Board — Consumer Confidence Survey & Data — Consumer confidence survey information, methodology and release schedule.
Related Economic Data
- Bureau of Economic Analysis — Consumer Spending — Official U.S. data tracking personal consumption expenditures. Consumer spending increased 0.2% in July 2026.
- BEA — Personal Income and Outlays, July 2026 — Tracks household income, disposable income, consumer spending and saving.
- Bureau of Labor Statistics — Consumer Price Index — Official inflation data. The July 2026 CPI was up 3.4% from a year earlier; August CPI is scheduled for release September 11.
- Federal Reserve — Consumer Credit — Federal Reserve data covering revolving and nonrevolving consumer credit.
