Homeowners Insurance in College Station Texas

Swimming pools are the perfect answer to the sweltering heat of summer. Yet before jumping in this year, ensure you have enough homeowners insurance to protect your pool along with those who will enjoy it with you.

Consider the following tips offered by homeowners insurance services about what type of insurance your pool needs and how much. With the right coverage provided by an experienced homeowners insurance agency, you can enjoy your pool knowing that you are protected.

Swimming Pools Coverage

A swimming pool is typically classified under the "Other Structures" portion of a standard policy purchased from a homeowners insurance agency. These policies normally provide a certain amount of coverage up to 10% of the cost of the house to cover damage to other structures, including detached garages, sheds, gazebos, and swimming pools.

If the pool sustains damage, the Other Structures portion of the policy will cover that damage up to the policy limits. Be sure the amount is sufficient and increase policy limits if it is not. Also confirm whether benefits are paid as actual cash value or replacement cost and make adjustments as desired.

Liability Insurance for Pools

Most home policies purchased from homeowners insurance services also include personal liability coverage to protect the owner and any visitors. This liability coverage protects anyone who may be injured while using the pool.

Although it is possible to purchase as little as $100,000.00 in liability coverage, homeowners insurance companies recommend this amount be increased to $300,000 to $500,000 if you own a swimming pool. This is because risk of injury increases substantially with this structure. An umbrella policy that provides additional liability coverage is another suggestion.

Because swimming pools are considered as an attractive nuisance or something that draws the attention of people and especially children, this increases the chance that an accident could happen. So you should have sufficient liability coverage from a homeowners insurance agency have the pool installed according to local zoning and safety regulations. It may also require an approved fence surrounding the pool area.

Exclusions

Homeowners insurance provides both liability and damage coverage for your pool. Yet it is also important to be aware of any exclusions that may apply. While most policies cover actual damage to the pool including lightning strikes, falling trees, and other physical damage, they do not cover normal wear and tear or preventable damage caused by neglect or improper care.

Some policies sold by homeowners insurance services may exclude diving boards and others may demand a fence to provide coverage even if local regulations do not. There may also be exclusions for above-ground pools, which could be covered under the personal property portion of your policy.

Swimming pools can be a lot of fun; however, without the right homeowners insurance to include the pool, they can also become a costly liability. Make sure you have protection by discussing your pool with an experienced homeowners insurance agency that can properly advise you.

Whether you are installing a new pool or getting ready to open an existing one for the season, the right homeowners insurance services will give you peace of mind so you can get the most enjoyment from your investment!

Need Homeowners Insurance In Bryan Texas?

Jones & Associates Can Help Protect Your Home!

Call (979) 599-7532!