Owning a pool can improve your lifestyle. Most property owners are diligent about protecting the space from risks, such as neighborhood children entering the area. Yet a typical homeowners policy may not provide enough liability protection if a tragedy does happen. That is when umbrella insurance can be helpful.
At White Oak Insurance LLC, serving Milford, CT, we know that proper protection often means investing in umbrella insurance. If you own a pool, there are several reasons why you need additional liability protection.
When Umbrella Insurance Benefits
Pools are considered an "attractive nuisance." That is, they are interesting and draw people in, potentially putting them at risk. For example, many communities require fencing around pools to keep children from getting into the area unannounced. But what if that fence is left open and an at-risk person makes their way into the area, falling in and suffering serious injury? This can happen, even when the property owner does everything they can to minimize that risk.
In these situations, the family may sue you for wrongful death if their loved one died as a result of your negligence. In these situations, the costs can be incredibly high, and your standard homeowners policy may not provide enough protection.
Umbrella insurance extends your protection beyond the limits on your homeowners policy. It adds layers of coverage to protect against exorbitant lawsuits.
Let Us Help You Get Protection
At White Oak Insurance LLC, our agents can help you compare options. If you need umbrella insurance in Milford, CT, we can help.
