Nothing helps you beat the summer heat like a backyard pool. However, all that fun in the sun can put homeowners at increased risk for liability. To better protect yourself and your home, it’s important to invest in an umbrella insurance policy on top of standard homeowners coverage. Here’s why.

Why Homes With Pools Need Umbrella Insurance

Pools Increase the Risk of Injuries

When you have a backyard pool, it’s only natural to invite others to use it. However, the more people that use the pool, the higher risk there is of injuries and even death on your property. If a neighbor or friend is injured while using the pool, they can file a liability suit against you. While homeowners insurance can help offset the out-of-pocket expenses associated with the suit, it may not be enough to fully protect you. An umbrella insurance policy will give additional coverage on top of standard liability provided by a homeowners policy.

Protects Your Personal Assets

If someone is injured in the pool and files a liability suit, they can go after personal assets to make up for any additional settlement funds. An umbrella policy will help protect those assets from being seized by the court. This includes your home, car, valuables, artwork, and electronics. Without coverage, there’s no guarantee that those items are safe from seizure.

Higher Coverage Limits

Liability insurance is only a part of a standard homeowners policy and the coverage limits may not be as high as you think. With a pool, low liability coverage limits put you at increased risk for high out-of-pocket expenses should someone file a suit against you. An umbrella insurance policy has higher coverage limits, often exceeding the ones specified in general liability coverage. If a settlement and court fees exceed the amount in your liability coverage, the umbrella policy will help fill in the gaps.

If you have a backyard pool, don’t rely solely on your homeowners insurance policy to protect you from liability. Contact the team at Integrity Insurance Solutions in San Marcos, TX. Their experienced agents will help you find the best umbrella insurance policy for your home and your pool. Learn more about their services online and call (512) 396-2211 for a free quote today.