Now that summer is here, your family may be spending a lot\nof time outdoors. This is a good time to review your insurance coverage and to make\nany necessary changes so you will have the right coverage in case something\ngoes wrong this season.<\/p>\n\n\n\n
If your pool got damaged by a covered peril, such as a\nfallen tree, your homeowners insurance<\/a>\npolicy could pay to repair or replace it. Depending on the type of pool and\nyour insurance company, it might be considered an extraneous structure or\npersonal property. That could affect the amount the company would pay if the\npool were damaged or destroyed. <\/p>\n\n\n\n Make sure you understand how your insurance carrier\nclassifies the pool and how much compensation you would receive in the event of\nan accident. You might need to raise your coverage limits to fully cover the\nreplacement cost. <\/p>\n\n\n\n A pool is considered an \u201cattractive nuisance.\u201d That means\nit is appealing to children and also dangerous, so many states and cities\nrequire homeowners with pools to take steps to keep children away from them. If\nyou failed to take appropriate measures to protect children, such as installing\na fence with a locked gate around the pool, and a child got injured, you could\nbe held liable, even if the child was trespassing on your property.<\/p>\n\n\n\n If someone got injured while using your pool, your\nhomeowners insurance policy\u2019s liability coverage could pay for medical expenses\nand potential legal costs. Make sure you have enough liability coverage. If\nnot, you might lose your home, savings, and other assets in a lawsuit, unless\nyou had an umbrella insurance<\/a>\npolicy.<\/p>\n\n\n\n During the summer, members of your family may experience a\nwide range of injuries and illnesses. Kids playing outside and adults working\nin the yard may suffer all sorts of injuries, including falls, broken bones,\ncuts, and head injuries. Heat exhaustion and insect and tick bites are common\nduring this season.<\/p>\n\n\n\n Medical bills are often expensive, and being blindsided by\nan unexpected expense could throw your finances into chaos. Be prepared by\nmaking sure you have a medical insurance<\/a>\npolicy that would cover emergency room visits, hospitalizations, surgery, and\nmedication, as well as routine visits to the doctor for checkups.<\/p>\n\n\n\n The team at Petruzelo Insurance can help you make sure you\nhave insurance policies that meet your needs. We can review your current\ncoverage, discuss any concerns you may have, and explore a range of options,\nsuch as increasing your coverage limits or purchasing a new policy through a\ndifferent insurance company. <\/p>\n\n\n\nMedical Coverage for Summer Illnesses and Injuries<\/h2>\n\n\n\n
Talk to an Insurance Professional<\/h2>\n\n\n\n