Nothing defines the traditional “American Dream” more accurately than home ownership. The ability to settle in a house is something that most working adults set as one of their life-long goals. They enjoy the fact that a growing family literally has room to stretch out. In particular, being able to relax in one’s own landscaped backyard is a source of pride.
Installing a swimming pool is something that most homeowners see as the ultimate in luxurious living. A private swimming pool provides for years of fun, safe “staycations” that can be shared with extended family, friends and neighbors. What each homeowner should carefully consider before planning and contracting with a swimming pool installation company is how it will impact the cost of their homeowners insurance policy.
Homeowners will usually already have a homeowners insurance policy in place to take care of possible damages and property losses. Having proof of reliable homeowners insurance is seen as a necessity, especially if one is paying off a home mortgage to a bank or other lending institution. However, the liability issues that can be directly caused by a backyard swimming pool may raise one’s homeowners insurance premiums substantially.
When purchasing a pre-owned house on the real estate market with a pool or breaking ground for a new swimming pool, prospective pool owners need to be aware of many important factors. Swimming pools come with several inherent risks that directly affect one’s homeowners insurance. These include accidents that can occur in and around the pool itself. Both adults and children may slip and fall on wet surfaces, causing serious injuries. In the most severe of situations, there could even be a drowning in your pool.
While these incidents are terrifying to think about, they can and do happen to thousands of homeowners every year. This is why insurance professionals urge the owners of swimming pools to thoroughly read their current homeowners insurance policy. If they don’t already have an umbrella policy that covers everything, this may be the time to look into buying one. While umbrella style policies may cause many insurance premiums to rise by several hundred dollars, the purchase of this type of homeowners insurance can provide coverage up to a million dollars or more.
To lower the costs of homeowners insurance, pool owners must work to make their own property as safe and accident free as possible. Proper fencing around the swimming pool is required, in addition to child-safe locking mechanisms. Safety covers should be placed around all pool pumps and filters. The removal of a diving board is also one way to discourage guests from diving into the pool, a prime cause of serious injuries.
Should a homeowner be throwing a poolside gathering or party, hiring a trained lifeguard is certainly a method for reducing liability issues. As well, children and infants must be attended by adults at all times. With due diligence and careful planning, owning a swimming pool can be enjoyable without endangering the protection of one’s homeowners insurance.
The services offered by a health insurance Texas firm are just as important as your coverage. Every insurance company is a large business that has millions or even billions of dollars in assets, and you must research each company completely before buying their insurance. You are paying the health insurance Texas provider for coverage, but the coverage must come with service you appreciate. Read further to learn which companies offer the best service.
#1: How Do You Get In Touch With The Company?
You must research how the health insurance Texas provider talks to you, and you may read reviews of their customer service online. Phone calls are nice, but some people do not have time to place phone calls all day. You will learn how the customer service associates treat customers, and you will learn if the carrier offers chat and email services. More customer service options help you get the service you need, and health insurance Texas providers will serve your policy at a moment’s notice.
#2: The Financial Status Of The Company
You can look up the financial status of any company online, and you will learn a good bit about how the carrier charges its customers. Companies that have low credit ratings or no assets will charge high premiums, and you will have a hard time getting service. Health insurance Texas providers with good credit ratings and massive assets will charge less for their services.
You can follow the financial information to the right company, and you will avoid problems with a health insurance Texas provider who does not have your best interests at heart. A simple financial search online will reveal news articles and reports that you may peruse at your leisure, and you will come to a swift conclusion about the providers you are looking at.
#3: Check Industry Websites
The most extreme customer complaints can be found on industry websites, and you may read complaints that explain how health insurance Texas providers treat their customers. Any large company is going to have a few problems, but a company that has a large number of problems will likely cause you trouble every moment you hold one of their policies.
#4: Ask Around
You may ask your friends and family about their own health insurance Texas policies, and you will uncover a company that offers the best policies at the best rates. The people closest to you have gone through the search process, and you may shorten your own search process by using the information your friends and family give you. Trusting people who already have a policy is a safe bet for anyone.
Health insurance Texas carriers will help you protect your family, but you must select a company that gives you the best service possible. Companies that offer terrible service will waste your money, and you will struggle constantly with their customer service division. Do your research to ensure that you pick the right health insurance Texas option for you and your family.
Adding your children to an auto insurance policy is a difficult process, but you can simplify things when you follow the right procedure. This article explains how to add your children to your auto insurance policy, and you will save quite a bit of money on your auto insurance every month. Your children’s coverage will cost more, but you may cut into those costs by using a bit of wisdom.
#1: How Old Is Your Child?
Every child between the ages of 16 and 25 will pay more for their insurance, but the price for your child’s insurance will decrease over the years. A child who is 16 will be charged much more than your child who is in graduate school at 25 years old. Ask your auto insurance company to update the value of your child’s policy every year, and you will save just a bit of money when you renew the policy.
#2: Keep Your Child Safe
Your driving record is a major factor used to determine your auto insurance premium, and a child who has a clean driving record pays less every month. Children who are involved in accidents or get pulled over will pay even more for their insurance, and you must help your child understand the value inherent in their policy. You could be priced out insurance altogether after an accident, but a child with a clean driving record will begin to save money over time.
#3: Drive With Your Child/Limit Their Mobility
Limiting the mobility of your child will help you prevent accidents, and the auto insurance provider will ask how you manage your child’s driving. A child who is monitored by their parents will pay less for their auto insurance, and a child who is not allowed to drive at certain times of night will pay less.
#4: Where Does Your Child Go?
Limiting the places your child can go will help you reduce the cost of your auto insurance, and you must inform the insurance provider of your limitations. Children who are allowed to drive to school and work will pay less than children who have free reign in their vehicles. Adding your child on a current vehicle with restrictions makes the policy even cheaper, and you may do the same with all your children who drive.
#5: Driving School
Children who attend driving school are given a discount on their policies, and programs approved by the auto insurance carrier will give you a steeper discount. Children must be trained to drive carefully, and the driver’s education program you use will help you save money over the life of your policy.
Children who are added to your auto insurance must be added with a bit of wisdom and common sense. Search for discounts that will help you afford insurance for your child, or you may help you child purchase their own affordable auto insurance. A local agent can assist you with the policy, and a driver’s education program likely meets near your home.