Did you backyard just become the new waterpark and kidfest playground?
As a responsibility of being a parent/homeowner with a pool in the backyard you have an obligation to have the correct coverage in place for your exposure you are opened up to by owning a pool.
A swimming pool creates a potential hazard for you as a homeowner and makes you liable for accidents. Unfortunately, pool accidents happen more often than you may think.
With that we have a couple of highlights we want you to be aware of.
Do you need more insurance coverage and How much coverage do you need you ask? Well,
A home insurance policy typically carries $100,000 to $300,000 in liability protection, However, when you have a pool, you want to boost your underlying liability protection to as high as you can obtain on your underlying homeowners policy. Then obtain a separate “UMBRELLA” policy to cover you for as much as $1 Million.
That level of extra “umbrella” coverage can cost $200 to $300 a year and the price is well worth the extra peace of mind and coverage in the long run.
We also suggest you review some of the pool safety tips listed below and should you have any questions always call your agent.
Pool safety tips:
* Install four-sided fencing (at least 4 feet high) that completely separates the house and play area of the yard from the pool area.
* Use self-closing or self-latching gates that open outward with latches high enough to be out of reach of children.
* Consider alarms to notify you if someone enters the pool area.
* Remove toys from the pool and deck so children aren’t tempted to enter the area without supervision.
* Designate an adult to supervise young children at all times; adults should be close enough to reach the child and should not be involved in any other distracting activity such as reading or talking on the phone.
* Learn CPR
* Teach young children how to swim. However, this does not eliminate the need for adult supervision.
* Do not use flotation devices as substitutes for supervision.
* For above-ground pools, take away steps and ladders leading from the ground to the pool when the pool isn’t being used.
Be safe and Have a great summer!