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We’re officially in May, which means the summer heat is here! For many of us in Arizona, this means it’s time to kick back and relax by the pool for the next several months. While a pool can provide endless fun and relaxation, it’s crucial to understand the insurance implications of pool ownership. Across the United States, there are more than five million in-ground pools and an estimated 3.5 million above ground pools, highlighting the widespread popularity of aquatic recreation.
According to the Arizona Department of Health Services, a residential pool is defined as “any structure, basin, or tank intended for swimming, diving, or recreational bathing that is 18 inches or more in depth.” With this definition in mind, it is important to know that having a pool on your property increases your liability risk.
A pool significantly increases the potential for accidents, so you may need higher liability limits than a standard homeowner’s policy provides. Here are some scenarios to consider:
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A guest slips and falls on your pool deck, sustaining a serious injury.
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A child wanders into your pool area and drowns.
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Someone is injured while diving into your pool.
In the event of a pool-related accident, insurance plays a critical role in achieving this security by providing a financial cushion that can help:
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Cover medical expenses: Ensure that injured parties receive the necessary medical care, which can be substantial in the case of serious injuries or drowning.
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Protect your assets: Shield your home, savings, and other assets from potential lawsuits and legal fees.
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Provide peace of mind: Knowing that you have adequate coverage can alleviate the stress and worry associated with pool ownership.
At The Arizona Group we understand that every homeowner’s needs are unique. That’s why we take a personalized approach to helping you find the right insurance coverage for your pool. Our experienced agents will work closely with you to:
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Assess your individual needs and risk profile.
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Explore different types of coverage, including homeowners’ insurance and umbrella insurance.
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Compare policies from top-rated insurers and find the best fit for your budget and goals.
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Provide ongoing support and guidance as your needs evolve.
As you prepare to enjoy your pool this summer, give yourself the gift of peace of mind by ensuring you have the proper insurance coverage. The importance of safety around these recreational areas is underscored by the fact that, between 2005 and 2014, the United States experienced an average of over 3,500 fatal, unintentional drownings each year.
To learn more about your options for pool insurance, contact The Arizona Group today for a complimentary consultation. Let us help you find the right insurance solution to protect your loved ones and your assets.