What type of insurance do you need?


There is nothing quite like a summer evening spent outside smelling fresh barbecue on the grill, watching the kids splash in the pool, admiring your flowers in full bloom, and visiting with friends and family. Recognizing the value of an outdoor entertaining space, many people have upgrades made on their decks, patios, and porches.

With outdoor entertaining in full swing, it’s important to ensure you have the proper homeowners insurance to cover your property in case of damage or protection against any injury liability claims. When people hear homeowners insurance, they usually think about their house structure and forgot about the outdoor space.

Its well worth your time to review your homeowner’s insurance policy if:

1.    You have made any outdoor improvements or upgrades. If you have added a pergola, storage shed, pool, hot tub, outdoor kitchen, or gazebo, check to see if it’s included under your current policy.

2.    Your outdoor property is in bad condition. The outside structures that have been untouched and rotting for years can be more dangerous than you think. If someone is hurt on your property and files an injury claim against your homeowner’s insurance policy, it can put you on a financial hook. Make sure your deck and stairs are in good shape. Check for decaying wood and fix areas that need work. If damage to your property could have been avoided with routine maintenance, it’s possible that it will not be covered under your homeowner’s policy.

3.    You’re unsure your current coverage will protect you against bodily injury claims or property damage that occurs at your house. In the event someone is injured at your annual barbecue or hurt in a pool accident, it’s important to know how much liability coverage you have to protect yourself against any claims.

4.    You have ever thought twice about purchasing additional coverage. A pretty cheap way to buy extra liability is through purchasing personal liability umbrella coverage. This umbrella policy provides additional coverage on top of your existing auto and homeowners and goes into effect after the main liability limits on your homeowners or auto policies are exhausted.

5.    You’re not using available savings. Review your homeowner’s policy periodically to make sure you are familiar with its coverage and to ensure you are taking advantage of any applicable discounts. Don’t get caught by surprise. Check on your deductibles to make sure you’re aware of how much you would have to pay out if you have property damage, like a fire.

Enjoy the summer months entertaining outdoors – just make sure it’s adequately covered under your homeowners insurance to prevent your summer turning into a nightmare.

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