Backyard upgrades, such as pools, trampolines, and treehouses, can transform your home into a neighborhood hotspot. While these additions are fun, enhance curb appeal, and potentially increase your property’s value, they also come with potential liabilities. Standard home insurance policies may not provide the coverage you need to protect against these high-risk features, implying that additional insurance may be necessary. Serving Clarinda, IA, and the surrounding areas, Sump Insurance offers comprehensive coverage to protect your home and yard against unexpected events.
Understanding Pool Coverage
Pools can provide great fun, but also come with serious liability risks. Most insurers require additional coverage and strict safety measures, such as fences with self-latching gates. Some may even recommend umbrella insurance for extra protection.
Trampolines: A Risky Proposition
Trampolines can pose a risk of injury, especially to children. Some insurance companies won’t cover them at all. If yours does, they may require safety features, such as enclosure nets and constant supervision. In some cases, a policy rider or separate coverage may be necessary to ensure you’re protected.
Treehouses: More Than Just Fun
Treehouses might seem harmless, but they carry liability risks due to their height and potential for falls or collapse. Ensuring structural integrity is crucial. Insurance coverage varies, with some providers excluding them, while others require an endorsement.
Contact Sump Insurance in Clarinda, IA
Backyard additions like pools, trampolines, and treehouses bring plenty of joy but can increase your liability risks. Contact our office today to discuss your home insurance needs and to determine the right coverage for you.
