Few things are more enjoyable than swimming in a backyard pool on a hot summer afternoon. A pool can add value to your home and make it the perfect place to host summer barbecues and events. However, it can also make your homeowners insurance a bit more complicated. Here’s what you need to know about making sure your home is fully protected and insured.
How Homeowners Insurance Works
Standard home insurance policies protect the house itself, the items kept inside, and the surrounding property. This includes your pool to some degree. If the pool itself is damaged by a storm or other qualifying event, the insurance provider will help cover the cost of repairs. But that’s not the only thing the coverage does—it also protects you from liability if someone is injured on the property.
With swimming pools, liability is the most common risk homeowners face. If a guest is injured while using the pool, your home insurance would help cover the cost of medical expenses. It also helps pay for any court fees if the individual sues you for damages. However, that coverage is limited to the amount specified in the policy. It may not be enough to protect you completely.
How to Make Sure You’re Covered
The best way to make sure your insurance policy covers the pool and all those associated risk factors is to speak with your insurance agent. They’ll assess your current coverage and find any gaps that might leave you vulnerable. Depending on your situation, you may want to purchase a supplemental liability policy or increase the coverage limits on your homeowners insurance. Your agent will be able to determine which option will best suit your needs and your budget.
Are you unsure about whether your homeowners insurance policy fully protects your home and pool? Schedule a consultation with the experienced team at High Rock Insurance Agency in Lexington, NC. Their dedicated insurance agents are proud to help residents protect the things they love most. Whether you’re looking for a new auto insurance policy or need to reevaluate your home insurance coverage, they’ll find the right coverage for your needs at a fair price. Learn more about their coverage areas online and call (336) 236-9022 for a free insurance quote today.