Pools and Hot Tubs: What Kind of Homeowners Insurance Do You Need? Linda Rey
Have you ever heard the term “attractive nuisance”? It sounds like an oxymoron, and it is definitely one of those insurance terms that seems to not make a lot of sense, but it covers a very serious issue.
The attractive nuisance doctrine states that a homeowner can be held liable for a child trespassing on the property and then being injured by something that is attractive to that child with risks the child does not understand. That includes pools and hot tubs. That said, planning for your summer fun by working with your insurance agent will ensure that you are protected appropriately in case any incidents occur.
What does your homeowners insurance cover if you have a pool or hot tub?
The great thing about homeowners insurance is that it does not specifically exclude pools and hot tubs—which means you are covered in the event of an accident in either one. Howev Read more…
One of the reasons you have homeowners insurance is to avoid paying out of pocket for extensive property damage. Another reason you’re paying for homeowners insurance is to have an attorney on retainer to defend you should you be sued if someone gets hurt on your property.
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