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Does Your Homeowners Insurance Cover Backyard Summer Fun?

Your homeowners insurance isn’t just designed to protect your home — it’s meant to protect you, too.

Summer is a season of fun, complete with barbecues, pool parties and bonfires. But spring and summer also bring about an increased risk of accidents. The Centers for Disease Control and Prevention (CDC) estimates there are nearly 12 million additional emergency room visits during these seasons.

Homeowners Insurance Cover Backyard Summer Fun

If one of these accidents happens on your property, are you prepared to handle the consequences?

Liability Coverage

Your homeowners insurance offers personal liability up to a certain amount. This coverage is intended for any injuries that occur on your property, or for personal injury or property damage for which you are legally responsible.

For example, your policy may pay the injured party’s medical bills or lost wages if they tripped, fell and broke their leg on your porch steps. It’s important to note that every policy has a limit, however. If the costs of the injury exceed what your policy will pay, you are personally responsible for the difference.

If You Own a Swimming Pool

Swimming pools are one of the most dangerous additions to your home in terms of added risk.

Injuries and drownings can happen, and while you do everything you can to prevent them, it’s important to adjust your coverage to reflect this addition to your property. Make sure your personal liability coverage is at least at $300,000 and discuss any other additions with your agent.

If You Own a Trampoline

Many of your guests probably love to jump on a trampoline, but owning this equipment also comes with increased risks. Make sure your policy does not exclude coverage for trampoline-related injuries, or you could find yourself in dire straits if someone is injured.

Consider an Umbrella Policy

Talk to an insurance agent at Four Seasons Insurance if you regularly host large summer gatherings on your property. It might make sense for you to invest in an umbrella policy to cover you when your homeowner’s insurance limits have been exhausted. Get a quote today!

What’s Better Than Knowing You’re Covered? Not Needing It!

Make safety a priority at every summer party, and you won’t need to worry about your deductible limits.

Here are some key summer safety tips for your next get-together:

  • Do not allow diving at your swimming pool.
  • Do not allow unaccompanied swimming.
  • Check swingsets for rot and exposed screws and replace as needed.
  • Keep fire pits away from low-hanging tree branches.
  • Make adult supervision a requirement near fires.
  • Move grills away from the home before cooking on them.
  • Never leave grills unattended.

At Four Seasons Insurance, we are here to make sure your homeowners insurance or umbrella policy works for you. Contact us today to see how we can reduce your risk and your monthly bill!

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