Summer is winding down, temperatures are cooling off and with it being the best time of year to entertain outdoors, it’s time to review your insurance policies. Family and friends are spending much of their time outdoors on your property, and if you have a pool, children’s play equipment, decks and patios, you need to ensure that you are covered in case of injuries and property damage. Here are some guidelines and tips to help you in reviewing your coverage.
A favorite renovation or enhancement to anyone’s yard is the addition of a structure, such as a tool shed, gazebo, hot tub, pool or playhouse for the kids. Talk to your agent about adding new buildings to your coverage in the event of damage.
Entertaining frequently in your yard will raise the potential for injuries to your guests. If you have a pool and injuries occur to neighborhood kids or even your own kids, lawsuits can be catastrophic to you and your family. Injuries can occur in a hot tub with overheating, children can harm themselves on play equipment and decks that are not maintained can result in people falling and suffering injuries. Review your policy to see if your liability coverage needs to be increased.
Trampolines are typically excluded from an insurance policy because of the very real danger of injuries. Premiums can be expensive and in some cases, it may be difficult to even get coverage as the insurance risk is very high. Do not allow anyone on your trampoline until you can confirm your coverage.
The coming of fall and cooler weather brings the desire to have a bonfire in your yard or at your ranch. Before you host a bonfire, make sure you check on a burn ban for your area. Summers in Texas can leave very dry ground that is unsafe for fires. If you live within the city limits, this may not be legal, However, even if it is legal, check with your agent to ensure that you have the proper coverage for liability and damage.
ATVing is a favorite pastime for many people in the summer and fall, and it’s a great way to explore back country roads at the ranch. It’s important to remember that your standard auto insurance will not cover all-terrain vehicles. Purchase a policy that will cover anyone who operates and rides as a passenger. Find out if there are age restrictions and helmet requirements.
Have fun, entertain friends and family and enjoy your outdoor recreation, but also be sure that you have the right insurance to protect you and your family. Please call Smith Davidson Agency at 713-771-3973 if you would like someone to review your Houston home insurance coverage.