Month: November 2014

Accidents that take place in your home may be covered by your home insurance in Canton, GA, but there are also exceptions that may limit your coverage. Although it may seem interesting to have a pool in the yard, it can also increase the risk of an accident. As a result, you may or may not be covered for accidents that occur in or around the pool.

Possible Accidents

The accidents that may take place around a pool can depend on the size of the pool and safety features. For example, slipping on the edge of the pool can happen at any time, but it is not possible to fall off a diving board if the pool does not have one.

Despite the limitations, there is always a risk of slip and fall accidents or injuries that relate to diving into the pool. It is also possible for injuries to occur in the pool, so it is not limited to the areas where people walk or run.

Coverage

Depending on your home insurance coverage, you may or may not be protected against accidents in the pool. In some cases, you may be required to purchase additional liability protection. In other situations, the policy may exclude any accidents that happen near the pool.

Some insurance providers may offer coverage; however, you may be asked to put a fence around the pool or to remove a diving board for safety reasons.

There are a variety of factors that determine if an accident is covered under your policy. Although coverage is available for a pool, you may or may not have protection in a current policy. To learn more about the risks associated with homeownership, contact us to talk to an agent today.

Is it really worth comparing homeowners insurance rates in Ball Ground, GA, or are all rates pretty much the same? Well, if you know just a little about how insurers determine the rates they charge, you will see the value in getting more than one or two quotes from home insurance companies before you buy a policy.

Getting multiple quotes from your independent insurance agent can make a big difference in the premium you may pay. It is not unusual to save $200-$300 per year, or even more, by comparing homeowners insurance rates among a half-dozen carriers.

Each home insurer evaluates the risk that you and your house presents against possible future claims. If you have a new house, the chances of the plumbing or electricity failing and causing major damage is far less than if you live in a house that was built fifty years ago. If you have had two fires in the last three years and got sued by someone who fell on your property, you are a high-risk to most insurance companies. While you may still be able to get home insurance, your rates can be extremely high.

Not all insurance companies treat your claims history the same. Some are more forgiving, particularly if the reason for a claim was not your fault. If lightning strikes your roof and sets your house on fire, there was probably very little you could have done to have prevented it from happening. If you never lock your doors and leave your lawn mower on the front lawn overnight, you are inviting trouble.

Depending on your particular set of circumstances, one insurance company may be more willing to provide you with a lower rate, for the same amount of coverage, than a competing company. Make sure you check rates and get quotes so you will know that you are getting the best value for your insurance dollar.