For many people, summer is a time for all the activitiesthey've been waiting all year for — skydiving, whitewater raftingand so on.

Summer may be winding down, but it's never too late to have somefun. The important thing to remember, however, is to consider therisks surrounding your summer plans.

Related: What you need to know about insuring extreme wintersports

Whether you're a thrill-seeker looking to try something new or aveteran involved in some sort of extreme sport, you'll want toconsider reaching out to an insurance agent or broker and gettingextra coverage to protect you and your assets.

Any activity where you are doing something out of the ordinaryor fairly risky during vacation warrants considering extracoverage, says Laura Adams, senior insurance analystat insuranceQuotes.

“It depends what you're doing and where you're doing,” saidAdams. Mountaineering and rock climbing have gained popularityrecently, but have a high potential for a serious accident; what'sworse is that they are often in very remote areas.

Related: Bon voyage: 4 keys to staying safe during vacationseason

What coverage should you consider?

The first thing to consider is how far away you are. Healthinsurance typically does not cover you when you're out of thecountry, so for those traveling overseas, getting additionalpolicies can go a long way and help reduce out of pocketexpenses.

For those staying within the U.S., “you are typically going tocovered any injury that might occur” but insurance isn't likelygoing to cover 100% of the costs — transportation after anaccident, for example, won't typically be covered. For thoseconsidering medical coverage, they may be a partof package and you can typically elect different types ofcoverage — bronze, silver and gold, forexample.

Related: Vacationing with confidence

Whether you're domestic or overseas, consider looking intotravel policies. Trip interruption, cancellation and baggage lossfrequently occur. Being prepared is what will make the difference.When you've got a homeowners'/renters' policy and something isstolen, Adams points out that this is covered by yourhomeowners'/renters' policy and you may not need that under atravel policy. Known as off-premises coverage, Adams says it mightnot cover the entire costs but that “10 to 20 percent is verytypical.”

If you're driving overseas, that's another type of coverage toconsider as your auto coverage will not cover that in most cases.“Think about what kind of auto coverage you might need if there'sany chance you might be driving a rental or friend's car whenyou're outside the country,” said Adams.

Whether it's a health, travel or auto policy you're consideringadding on, your summer will be that much safer from risk as youenjoy the outdoors.

Related: Update on homeowners' insurancemarket