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.
Where and how you buy your insurance policy matters more than you might think. If you do it wrong, the safety of your family, home, car or even your business can be at risk. So it pays to be cautious as you consider your buying options.
Nowadays, we have all come to expect instant answers and quick results. Online shopping feeds our need for speed. It encourages us to often accept a product that actually costs more than it needs to and provides less service and benefits than we could have had. Often, by the time we realize our mistake, it is too late to correct it.
Purchasing insurance is no exception. A few minutes online and you can receive instant quotes and instant applications from almost any insurance company. If you dodge that bullet, you might still be persuaded by an insurance company's exclusive representative to accept a policy without researching other companies and comparing rates and coverages before you sign on the dotted line. If you have no insurance background, you will want to find an independent agent in your local area who will be glad to assist you, comparing rates and coverages from a number of insurance companies to find the right fit for you.
You can fill out online insurance applications and get insurance quotes anytime around the clock. But you are on your own. The insurance company behind the online application makes it easy and quick to use, but there is hardly ever any professional advice or attention to your circumstances. So do you really know what you’re getting? Unless you have a background in insurance and know a rider from an exclusion and a deductible from a co-pay, you could be making a very important decision without having all the facts.
Some insurance agents are under exclusive contract with only one insurance carrier. The insurance policies they can offer from that company might very well not be the best that is available for your particular needs and might not offer the best prices available. They are not in a position to help you compare rates and coverages with those of other companies to arrive at the best policy for your own needs.
Isn’t it time to sit down with your local independent agent to review your coverages? If you are new to the William M. Sparks Insurance Agency here in Timonium, MD, then we hope you will browse our website and get to know us. In particular, check out the many Insurance Carriers with which we have relationships. We will be glad to welcome you to our “family” of satisfied policyholders throughout the State of Maryland. Just contact us today. We are only a phone call or e-mail away.