I’m Having a Pool Party…Now What?

from Gammons Insurance Agency Inc.

Jul 18, 2015

Are you kicking this weekend off with a pool party? Forecast is predicting some pretty high temperatures; you might as well enjoy that sunshine because in Massachusetts you never know what the weather will be. Whether you are planning for this weekend or looking ahead, make sure you have the coverage you need for your pool party.

We cannot stress enough to people with pools that it is imperative your insurance agent and carrier know that you have a pool. If an accident occurs related to your pool your Massachusetts home insurance carrier will not cover you if it is stated on your policy that you do not have a pool. Carriers have certain standards for pool safety and can deny you coverage if you have things like a slide or diving board because it increases the risk of accidents even more. It’s best to contact us before adding these things to your pool. We can let you know if you will be covered or potentially change your MA home insurance to a company willing to insure you with those additions.

The first thing you need to do for your pool party coverage is make sure your home insurance covers you, but another thing to consider is umbrella insurance. If you have a pool you are at higher risk of accidents taking place on your property. Whenever you have more risk, it’s a good idea to have more liability. Once you have the highest liability coverage on your home insurance you have the option to add a Massachusetts umbrella insurance policy for added coverage.

An umbrella insurance policy may be more affordable than you think. It can help you in the event someone does get seriously hurt or worse in a situation with your pool, or any aspect of your home. Medical bills can add up and lawsuits can get messy, an umbrella insurance policy can give you the peace of mind you need. Call us and then we can tell you more about umbrella coverage at 508-947-3460 or help you update your home insurance to include your pool.

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