As a pool owner, summer is one of your favorite times of year. As the weather warms and the days lengthen, you have the opportunity to take advantage of your backyard beauty, getting in the rest and relaxation you need. Unfortunately, worry about your pool can creep in to spoil that calm, and you might find yourself wondering: is my pool covered?
Fortunately, the answer is yes! Your homeowners insurance policy can protect your swimming pool. There are, however, a couple of factors you should double-check. First, make sure that your pool’s value is included in your policy so that you would be able to rebuild or repair it should the need arise. It is also important to ensure your policy contains coverage for in-ground detached structures (i.e. your pool).
Secondly, look at your homeowners insurance’s liability limits. This type of coverage will protect you if someone who gets injured in or by your pool tries to take you to court for the damages,
Additionally, if you regularly host pool parties or expect to have a number of people at your pool over the summer, it is a good idea to consider an umbrella policy. This policy can offer millions of dollars of personal liability protection for any accidents in or by your pool, and will also protect you in your home and on the road. Generally, these policies will only increase your premiums by a few hundred dollars but will offer you a large blanket of protection.
To talk to an insurance expert who can review your policy with you, ensuring your existing coverage is sufficient, contact Scavone Insurance Agency Center LLC in White Plains. Our dedicated team of experts is here to help you put the policies in place so you can have peace of mind this summer in New York. To rest easy poolside during the warm months ahead, call us today!