Insurance of Accident in Swimming Pools

If you are installing a new in-ground swimming pool or above ground pool on your property, you should look into other insurance options besides the typical coverage given on your homeowners insurance. In the event of an accident in or around your swimming pool, many times homeowners insurance is not alone sufficient to protect you and your assets in the event of a lawsuit. If you are already a pool owner or are considering a new swimming pool, you should look at more comprehensive insurance options.

If you are not properly insured and someone gets hurt around your swimming pool, it can lead to trouble. Even if your pool will only be used by family and friends, anyone - and sometimes especially family and friends - may turn on you and consider a law suit as a means to recover damages from a loss. Getting sued by people close to you is usually not out of spite or hatred but many times out of necessity. Medical expenses are high and can mount up to a point that there is no way out of the insurmountable debt. Many times, if a serious injury has occurred, people can't afford not to sue. The bad news for pool owners is if the accident happens around your swimming pool, you are ultimately at fault regardless of the atmosphere the accident took place.

If someone does get hurt, don't be alarmed if you get sued. It happens and accidents happen when you least expect it. Even if you monitor your swimming pool 24/7, accidents happen in the blink of an eye. Pools are hazardous areas and accidents usually occur by diving and running around the slippery surface surrounding the pool. But, don't let this turn you off from pool ownership. Accidents can happen anywhere - in your yard, in your home, on your sidewalk - anywhere. Swimming pools have statistically higher accident rates so it is a good idea to opt for extra insurance and keep you completely covered. Liability insurance is the best insurance to get for swimming pool owners. Try to get the highest coverage possible in your price limit such as 300k - 600k. An umbrella plan is also a great option because it is a separate liability policy in addition to homeowner coverage. The umbrella plan kicks in extra coverage when your homeowner's insurance plan drops off ensuring complete coverage in any situation.

Cost wise, the extra insurance coverage is not bad. The umbrella coverage or stand alone liability plans are usually an extra 30 to 40 dollars extra a month. To offset the costs even further, consider buying all of your plans from the same insurance provider Insurance companies usually offer bulk discounts if you purchase all insurance from them (i.e. life, auto, home, liability). As pool owners, extra insurance is not a necessity but it is highly recommended. It is better to be safe than sorry.

By Nicolas

Health Insurance Become Importance Today

Do you ever feel like you know just enough about Health Insurance to be dangerous? Let's see if we can fill in some of the gaps with the latest info from Health Insurance experts.

Health insurance is something that most people don't think about very often and yet it is something that when comes foremost to mind when a loved one is sick. Health Insurance coverage varies across the world, even across the different states in the United States of America.

Health insurance is a very specific type of insurance. With this type of insurance the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents. The insurer may be a private organization or a government agency. Health Insurance can protect a family from financial devastation in case of serious illness.

Today, according to statistics from the US Census Bureau, many Americans, approximately 85%, have some form of health insurance. Many people, about 60%, are insured through their place of employment or through health insurance acquired personally. For about a quarter of the population, federal or state government agencies provide the insurance. These agencies may include Medicare and Medicaid as well as various state funded health insurance plans.

I trust that what you've read so far has been informative. The following section should go a long way toward clearing up any uncertainty that may remain.

Today, health insurance costs are rising, which is a concern to many people. Because of ongoing advances in medical care and in technology, medical treatment is more expensive. These advances help people to live longer. Today there are more senior citizens than ever before – our population is aging. The elderly population is more frail and prone to illness thus requiring more medical care than a younger population that is healthier. This also causes an increase in the price of health insurance.

Health insurance costs are also rising due to personal health choices made by individuals. Poor eating habits, smoking, drug and alcohol abuse, a lack of exercise, obesity are some of these poor health choices. In addition, there are still rural areas where there is a lack of health professionals including doctors.

Today, health insurers offer discounts and incentives to people who love a healthy lifestyle. Often, a person will provide health information and a personal medical history when buying health insurance. This history may address questions such as smoking, weight, drug use, and disease history. The incentives offered by Health insurance companies today may encourage individuals to quit smoking or make other positive changes in their lifestyle. Many times, heath insurers will not insure pre-existing medical conditions. The medical history provided will screen out such applicants.

Because of the concern over pre-existing medical conditions, there are now state and federal laws that help ensure that those individuals with pre-existing conditions can acquire or maintain health insurance, even if they need to change plans or providers. The Health Insurance Portability and Accountability Act (HIPAA) is a federal law ensuring that all health insurance plans nationally have a common set of standards. In addition, states can also have laws regulating Health plans including group health insurance and individual health insurance This means that the laws regulating your health insurance protections may vary from state to state. Keep in mind, that even with these laws, access to health insurance may not be protected in all situations.

COBRA continuation coverage can help you if you leave of change your job. Under COBRA, you may be able to remain in your old group health plan for a certain length of time. This can assist you in those times when you are between jobs or waiting for a new health insurance plan to cover your pre-existing condition. Under COBRA, there are limits to what you will need to pay to continue your coverage.


When word gets around about your command of Health Insurance facts, others who need to know about Health Insurance will start to actively seek you out.