Adelaida “Ady” M. Artime, P.A., Berkshire Hathaway EWM Realty.Phone: (786) 512-2467
Email: [email protected]
Email: [email protected]
Do you know if you need pool insurance? While many homeowners are familiar with what their policies cover, sometimes swimming pools can raise questions. For example, what's the difference between an above ground pool and an in-ground pool for insurance coverage?
Here are some of the most important things for homeowners with pools to know:
Many homeowners insurance providers consider an above-ground pool as part of your personal property, as long as there aren't any permanently installed structures attached. In these cases, the pool would be covered under the personal property coverage. However, personal property coverage might have a limit lower than the cost to replace or repair the pool.
If your above-ground pool is damaged or destroyed by anything on your policy's list of covered perils, such as a falling tree or lightning strike, it will be covered by insurance. If the pool breaks or collapses due to neglect or lack of maintenance, however, it won't be covered.
An in-ground pool on your property will usually be covered under the part of your homeowners insurance policy for dwellings and structures. Some insurance providers might require specific safety upgrades before they'll give you a policy, however. Some of these upgrades could include gated fences or safety lights surrounding the pool.
The liability component of your homeowner's policy typically covers medical expenses or lawsuits related to accidents in or around your pool. Since the personal liability limit can vary from one policy to the next, many homeowners prefer to get an additional umbrella policy for extra financial protection in case of pool-related injuries.
Understanding the details of what the different parts of your homeowners insurance cover will help you make sound financial decisions - and have greater peace of mind. If you have a pool, or intend to get one, keep these facts in mind and remember to discuss them thoroughly with your insurance provider.
In her role as a real estate and relocation specialist in South Florida and Northern Virginia, Ady Artime prides herself on providing the highest level of service, confidentiality and professionalism to her clients. Based on her own experience as a government liaison, Ady is in familiar territory working with high powered individuals. She possesses a discreet and confidential work ethic, and her keen eye, attention to detail, and experience with multi-million dollar properties have earned her a high-profile, loyal clientele that expect the best from their realtor.
Known for her expertise and strong background in interior design, she stands out from other real estate agents. When a satisfied client says that Ady knows real estate "inside and out", the statement is to be taken literally. Over the course of her career, she has received recognition as an award-winning interior designer. She has designed and implemented interiors for countless luxury projects throughout the United States, and Europe. Her extensive knowledge of all facets of design, including working with architects and construction teams, led to a natural progression into the real estate arena and gives her a definite edge over the competition in serving her clients.
As and agent in South Florida and North Virginia, Ady lends her real estate expertise and design savvy to buyers and sellers. Ady's mission is to develop a faithful, repeat clientele by providing them with superior service and value. She is passionate about her work and takes the time to understand each client's needs and goals to accurately assess the options she provides. From overseeing the staging of a listed property in order to fetch the highest possible price to analyzing a potential purchase from a design and architectural perspective.
