Installation of a Swimming Pool Means Extra Florida Liability Insurance

May 04, 2012 (0) comment

Swimming pools are fun for the whole family, and installing one can be an exciting adventure. However it is important to find out how much Florida liability insurance you will need for financial protection in case of an accident occurring in or around your pool. Standard homeowners’ liability coverage alone may be insufficient to cover the extra risks involved with a swimming pool.

You may even want to consider an umbrella liability policy which provides additional coverage over and above your other policies in case of a catastrophic event. Additionally, there are a number of swimming pool precautions that are crucial to being a responsible pool owner.

  • Most municipalities require some sort of fence to be erected around a swimming pool. Even if this is not required in your area, it is a wise investment.
  • Never leave small children unsupervised at a swimming pool, and keep them away from pool filters.
  • Do not swim alone, if you have been drinking alcohol, of if you are sleepy.
  • Keep all electrical devices away from the pool.
  • Get out of the pool if you see lightning or hear thunder.
  • Have a first aid kit and life preservers near the pool.
  • Learning CPR would be advisable especially if you plan to have guests over regularly.

The Insurance Information Institute has provided a detailed list of pool precautions designed to help prevent pool accidents. A swimming pool can bring a great deal of enjoyment to a family, but due to the extra risks involved, additional Florida liability insurance may be necessary to provide adequate financial protection. Contact us for more information or for a quote for umbrella liability coverage.

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