Angie Hooten - Hughes Insurance Agency Blog
Having a pool is a great spot to bond with family and friends over a summer party. It can also serve as a form of relaxation to take a swim from time to time. Although if all you are interested int are the benefits that having a pool brings, you have to remain practical at all times. If something happens, are you sure you are prepared for it? From damages to property to liability cases, you need to be financially ready to have your own pool. Here are some questions that you need to ask yourself.
Will it be covered by my home insurance?
If you are planning to add a pool to your home, you need to talk to your insurance agent first. Personal pools are you usually covered by most home insurance policies but it’s best to review your coverage. Here’s what you need to check.
This type of coverage usually includes your pool. This means that if you have something fall into the pool, your insurance will help you remove along with the damages that need to be repaired. However, you need to talk to your agent to know if you need to increase your coverage’s limits. This could be needed if you have a bigger-sized pool. Remember, most home insurance policy do not cover damages due to a frozen pool so make sure to take care of that every winter season.
This is an important coverage that protects you from unexpected expenses if someone gets injured in your pool. Because pools are wet and slippery, the risk of someone getting injured is high and should therefore be considered by the owner. Liability coverage pays for the expenses that you incur during liability cases including medical bills.
What can I do to increase my protection?
There are pool owners that get extra protection through a personal umbrella policy. This policy kicks in when the limits of your typical home insurance policy runs out. It is a safety net that is cheaper in price but big in benefits.
How can I practice safety?
Putting a fence around your pool with a gate that closed is a good idea for protection. This also preserves the surroundings of your pool area from damages. Anti-slip pads and other products can be purchased and placed around the area to prevent slipping accidents. You also should supervise children when they are around the pool area.
Pools are also a form of investment that you need to protect with the best insurance company.At Angie Hooten-Hughes Insurance, we aim to provide comprehensive insurance policies that makes your life easier. You can get more information about our products and services by calling our agency at (901) 373-6060. Get your free quote today by CLICKING HERE.