Regardless of our swimming abilities, many of us beat the heat in our backyard swimming pool as summer temperatures soar. It seems that taking advantage of a residential swimming pool is more popular than ever before. In fact, over seven million swimming pools and five million hot tubs are estimated to be in residential or public use in the United States, according to the Centers for Disease Control and Prevention (CDC). But all swimming pools – from the simplest inflatable wading pool to the most elaborate luxury in-ground variety – can present a danger, especially to children. Between 2005 and 2014, fatal, unintentional drownings in the U.S. averaged over 3500 annually. More than one out of five drowning victims was reported to be 14 years old or under.
The following safety rules will prevent accidents and decrease your potential liability exposure:
If you are planning to install a pool at your residence, it is important to consider the insurance implications as well as the safety issues. The Insurance Information Institute recommends the following:
Here at our Lutherville / Timonium, MD agency, our highly experienced William M. Sparks Insurance agents are always glad to speak with you about any insurance needs. Before you decide on a pool for your backyard, you owe it to yourself to contact us to be sure you have optimum insurance coverage. We can answer your questions, refer you to other resources, offer a no-obligation policy review and discuss your options.
Keeping your home secure and fit is just as important as keeping yourself in shape. Each has its own set of consequences if not done regularly, and each must be done year-round and changes with the seasons. Not buying it? Then consider this: time and effort spent taking care of your home can be measured in dollars and cents when you realize that homeowners insurance claims could be denied if an insurer determines that the loss could have been avoided through proper maintenance. That is not to mention keeping it secure for your family. So just what home related tasks should you add to your resolutions this year?
READ MORE below to see the best resolutions to start with...
As a homeowner, you’ll want to take steps to avoid the risk of various liability issues during this Halloween season. It’s a spooky night by design, but mischief can prevail and vandalism can result. Likewise, there is always a greater potential for accidents such as slipping and falling that could cause injury as trick-or-treaters and other guests visit your property on Halloween. Just as importantly, it might well be a challenge to restrain your pets as the doorbell rings repeatedly and strange voices carry through the house – not to mention all the scary and unfamiliar costumed visitors.
Even so, it’s difficult not to be drawn into the fun. So if you do intend to participate, the following tips might help you to enjoy a Halloween evening that is more a treat than a trick.
If the love of your life has chosen Valentine’s Day to pop the question, then we send our congratulations and best wishes to both of you. Take your time. Savor the moment, and make it a cherished memory. But then we hope you’ll remember the practical side of owning that beautiful diamond ring. You might not be “thinking insurance” but we are. The Insurance Information Institute tells us that one of the most frequent of all homeowners’ content-related insurance claims is for the loss of valuable jewelry. We know that you’ll want to see that your new engagement ring is financially protected in case it is lost, stolen or damaged.
Click on READ MORE below to learn the steps to protect your ring as soon as possible…
Every winter season, the pipes in your home are at risk of damage from freezing conditions. Low temperatures can cause your pipes to freeze, and in some cases burst. Encompass Insurance offers the following tips to safeguard your home before, during and after a pipe freezes.