Insure your pool this summer

Thursday, June 20 marks the first day of summer but many Mississippians have been taking advantage of warm weather for weeks. If you have a pool or are thinking of adding one, there are insurance needs you should consider.

• Some companies may not cover your pool if you don’t have safety measures like fences or a pool cover.
• You should make sure your homeowners policy has enough personal liability coverage, in case a visitor is hurt at your pool.
• Many policies don’t cover gradual leaks. Leaks should be repaired quickly to avoid water damage to your home.
• In-ground pools are considered part of your home and covered under your homeowners policy.
• An above-ground pool is consider personal property and you may need extra coverage for that.

While it may be tempting to cancel an insurance policy during the “off-season” to save money, keeping your coverage protects your items from damage year-round. In addition to pools, consider coverage for boats and jet skis.

Summer travel may also mean renting a car and the rental company may ask you to purchase insurance through them.

• Consider how much the rental insurance costs.
• Research your credit card coverage.
• Get familiar with your personal auto policy.
• Consider gaps in coverage.
• Talk to your insurance agent.