Owning a home with a swimming pool in Fords, NJ, can be a great source of fun and relaxation, but it also comes with increased risks and liabilities. Accidents around pools, whether involving guests, family members, or neighbors, can lead to significant financial and legal repercussions. For homeowners with swimming pools, umbrella insurance provides an extra layer of protection beyond standard home insurance, helping to mitigate these risks.

Expanding Liability Coverage

While standard home insurance policies provide liability coverage, they often have limits that may not be sufficient in the event of a serious accident involving your pool. Pool-related injuries, such as slips, falls, or drownings, can result in expensive medical bills or lawsuits that may exceed the liability limits of your regular policy. Umbrella insurance kicks in when these limits are exhausted, offering additional coverage for legal fees, medical costs, and settlements. This ensures that your personal assets, such as your savings or home, are protected from being used to cover damages.

High-Risk Protection

Pools are considered an "attractive nuisance," meaning they inherently increase the risk of accidents, particularly when unsupervised children are involved. You could still be held liable even if an accident occurs without your direct involvement, such as a neighbor’s child using the pool without permission. Warning signs such as no trespassing or other danger signs can help, but they will not save you from a lawsuit in court. Umbrella insurance extends coverage to these high-risk scenarios, offering protection where standard insurance might fall short.

Five Star Insurance Agency Explains Everything Concerning Insurance

Five Star Insurance Agency provides the best explanations for answering your insurance questions. We serve Fords, NJ, and surrounding cities. We can help you find the right umbrella policy for your swimming pool and property. Call today.