Pools and Home Insurance Basics

Swimming pools sound like loads of fun, but they can be a bit of a headache too. Homeowners have a responsibility to take out adequate insurance to keep them protected in case of the unexpected. If a homeowner fails to do so, he or she may be in serious financial trouble in the event of a pool-related accident.

Liability Coverage

The biggest risk to homeowners involving pools is the possibility of drowning. No matter what the details are surrounding an accident in the pool, homeowners are considered responsible for the safety of anyone at the home. Accidents are not limited to drowning either since you could be found liable if anyone falls and gets hurt poolside. The liability protection under your home insurance may cover any medical and legal costs associated with a claim against you.

Property Damage

Pools also increase the risk of property damage. Flood damage may occur if water is released onto the property. The pool itself could also sustain damage from events like felled trees. A home insurance policy may reimburse you for the cost to remove the tree and make any repairs to the pool. This coverage may extend to any pool accessories such as filters and pumps. However, some events such as ground movement damage may be excluded from coverage.

Coverage Tips for Pools

A homeowner must get in touch with an insurance company if building a new pool. Rates may be adjusted to provide the right level of additional coverage. You may want to increase liability maximum limits and take out an umbrella policy to cover any out of pocket expenses. Taking protective measures like fencing in the pool can reduce premiums.

The agents at State Insurance Solutions are available to field your questions about home insurance coverage. Contact them today to go over quotes for properties in Arlington, TX and surrounding areas.

What to do When You Have a Pipe Burst in Your Home

Here in Arlington, TX, many people do not think about freezing pipes and what can happen when they occur. Because it doesn’t always get that cold during the night, most people are not prepared and sometimes wake up to a terrible and costly surprise in the morning. If you have a pipe burst in your home, there are a few things you should do to help limit the damage within your home. Use these tips from State Insurance Solutions when you have a pipe burst. 

  • Turn off your water. The first thing you will want to do when you discover that you have a pipe that has burst in your home is turn off the water in your home. This will prevent any more water from coming out of the pipe while you get it fixed and the sooner you take this step, the less water damage you will have as a result. 
  • Call a professional to fix the pipe and repair the water damage. A burst pipe is a big issue and one that you cannot tackle on your own. Once you have turned off the water, call a professional immediately. You may also want to try to get some of the water out of your home if the water leak is small. If it is big, leave that to the professionals as well. 
  • Prepare for freezing temperatures so you can prevent it from happening again. If you have had a pipe burst, then you likely know that you do not want it to ever happen again. To prepare for colder temperatures, you should insulate your exposed pipes but inside and outside of the home and learn to take further preventative measures on freezing nights. 

If you are interested in exploring your options with home insurance, be sure to contact State Insurance Solutions serving Arlington, TX, today for free quotes.