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.
Winter brings an increased risk for fires and other disasters. This is even more of a risk during the holidays when everyone is busy gathering with friends and family this time of year, it’s easy to overlook some simple safety measures that can reduce the risk of damage during the holidays.
View this video from the National Fire Prevention Association (NFPA) for more useful tips....
Be mindful of the risk of homeowners liability claims. Keep the front door and walkways well-lit and free of obstacles that could be a tripping or falling hazard for your visitors. In particular, if you decorate your lawn with any blow-up decorations that must be anchored in the lawn, monitor them to be sure they do not shift and obstruct your visitors’ path. The holidays can be busy for everyone and will be likely full of activities. A few practical precautions can help you and your loved ones to enjoy an accident-free season and can prevent you from having to file homeowners insurance claims when you would rather be celebrating.
Feel free to contact any of our very capable and experienced agents at the William M. Sparks Insurance Agency here in Lutherville/Timonium MD to discuss your home insurance. We can help you review your current insurance policy and explore your options to be sure you have the best coverage and protection according to your circumstances.
Can you believe that summer is coming to an end and it’s now back-to-school time once again? It’s the time of year when we notice more than ever the way our children are growing and how their lives are changing. So this makes it the perfect time of year to also evaluate your family’s auto insurance and homeowners insurance coverage. Is this the year when your teen goes to college? Will your son or daughter get a drivers license? Will you be replacing your vehicle to make room for school carpooling? Will you be adding an addition to your home to accommodate space for home schooling? Keep your children safe in the new school year— review your car and home insurance coverage this fall.
The start of another new school year can be an exciting time for your family. Giving yourself the peace of mind knowing that you’ve got the right insurance coverage can help you protect your assets as you invest in your child’s future. The first step to doing so is to meet with your insurance agent who can help you explore your options.
The William M. Sparks Insurance Agency located in Lutherville / Timonium, MD, is a full-service insurance agency offering auto/car insurance, homeowners insurance, business/commercial insurance and life insurance to all of Maryland (MD), Virginia (VA) and Pennsylvania (PA) since 1981. Our experienced insurance agents welcome your inquiries and are glad to discuss your coverage needs at any time.