How Your Swimming Pool Could Get You Sued

Installing a backyard swimming pool can make those hot summers a lot more fun and relaxing, but could it get you into a lot of financial trouble too?
The short answer is: yes.

If you're not properly insured, and someone gets hurt in your pool, you are inviting law suits.
I know what you're thinking: my friends and family are the only ones who use my pool... they're not going to sue me if anything happens.

Guess again.

It's not necessarily that people love to sue or even want to.
They may have to.
With the high costs of medical expenses today, a family that suffers a serious injury (or--god forbid--a death) probably can't afford not to sue.

And if a person was injured at your pool in your backyard, guess who's technically at fault?


If someone gets hurt, don't be surprised by a lawsuit: expect it.
And don't think you can watch the pool every moment to make sure nothing happens.
Accidents will occur no matter how relentless you are in trying to prevent them.
Risks of accidents are statistically proven to be very high around backyard pools and hot tubs.


This isn't to say you should pour dirt into your pool, plant a nice safe flower bed, and post "keep out of yard" signs all over your backyard.

You just need to make sure you are adequately covered when it comes to insurance.

Okay, you're sold.
Now how do you make sure you're covered?

If you own a swimming pool or hot tub, you should carry very high liability insurance, i.e. in the range of a million dollars or more.


This can be tricky since many homeowner's insurance policies limit the maximum exposure of the insurer to $100,000.
Sometimes you can get this raised to $300,000, but getting covered beyond that, from your homeowner's plan alone, will likely prove difficult.

This is why you want to look into an umbrella plan.

This is a separate liability policy in addition to your homeowner's coverage.
It generally picks up where your homeowner's insurance leaves off, and you can get coverage of several million dollars.

The cost for this additional coverage is usually minimal, in the neighborhood of $500 per year.
This may seem pricey, but considering the millions of dollars of coverage it affords you, it's worth the money, especially if you entertain and have a hot tub or pool.

One last thing to note is that you may have to buy all your insurance from the same place, which would include home and auto.
If you have a pool or spa, it's probably worth changing insurers to find one who offers an umbrella plan.
.

For more information on the topic, check out these articles on homeowner's insurance or this information on swimming pools and hot tubs.

Inground Swimming Pools

In-ground Swimming Pools are usually built on the backyard of houses. As the name implies, they are constructed into the ground. Unlike above ground swimming pools, in-ground swimming pools are easy to construct and they give more choices for depth. Today, an extensive selection of in-ground swimming pools with a wide variety of styles, shapes and sizes are available in the market.

In-ground swimming pools come in a variety of types. Aluminum, concrete, fiberglass, vinyl-liner, and steel are the most popular among them.

Aluminum in-ground pools are not as durable as other kinds of pools, but the construction charge is less, compared to other in-ground pools.

Concrete in-ground pools, one of the common types of in-ground pools, can be created in any shape according to the specifications of the customer. They are less expensive than fiberglass pools.

Vinyl-liner in-ground pools feature reinforced walls with vinyl-liners. A huge selection...

Inground Swimming Pools
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Play Pool Better: Top Ten Ways to Improve your Billiards Game

Billiards is an old and much loved game, particularly in the United States and the United Kingdom. This is a game that people of all ages play; even the younger kids can play now on special child-size tables that are widely available. It is also a game that, although once more popular with men, is now keenly played by both sexes. You can play pool in all sorts of environments, from restaurants and bars to halls and homes. It is also a game that can be as relaxing or competitive as you want to make it.

Some people like to enjoy a friendly game over a drink after work, others like to unwind with a few games on their home pool table, and some like to join leagues and clubs and play to win.1. Understand billiards in generalWhether you are young or old, male or female, a relaxed player or a competitive player, the chances are you want to play as well as you can. Being able to play well is all part of the fun of playing billiards, so it is important to learn the rules and strategies...

Play Pool Better: Top Ten Ways to Improve your Billiards Game
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A Guide to Discount Pool Tables

Discount pool tables are commonly available. Check your local classified listings for liquidation closeout sales, auctions for seized items from bankrupted businesses, and so on. There you might be able to nab a brand new pool table for a fraction of its book value.

Discount pool tables are discounted for a number of reasons. Sometimes a model will no longer be manufactured; sometimes a table will be overstocked because it is an unpopular style, or a dealer may bee trying to make money faster by slashing prices. You can buy these discounted tables from manufacturers or from third-party detailers.

Another great place to buy discount pool tables is www.overstock.com.

Go to that website and enter "pool tables" into the search field. Browse through the options. The "new" prices will appear crossed out, and below that, the offering price will appear. Sometimes this lower price will be half as much as the higher price. Shipping prices can be as little as...

A Guide to Discount Pool Tables
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Win a NASCAR Driver Dale Jarrett Themed eXtreme Custom Pool Table

Eustis, FL (ContentDesk) August 4, 2006 -- eXtreme Custom Billiards and UPS present an opportunity to win a one-of-a-kind, autographed Dale Jarrett pool table. The 8-foot, hand-crafted table is decorated just like Dale Jarretts NASCAR. Custom features include high-quality auto paint matching #88s colors, custom leather pockets and felt featuring the cars design and logo number. Proceeds from the auction will go to benefit the Heart of Florida United Way. Bids should be emailed to jconod at xtremecustombilliards.com and the high bid listing will be updated weekly.

Bidding closes on August 31. Images and further bidding instructions can be found on the website of eXtreme Custom Billiards:http://www.xtremecustombilliards.com/Pool_Table_UPS_Racing_Charity.htmThis is an awesome opportunity for any Dale Jarrett fan, said Joe Doole, Employee Relations Manager with UPS. We are very...

Win a NASCAR Driver Dale Jarrett Themed eXtreme Custom Pool Table
Pool table > Win a NASCAR Driver Dale Jarrett Themed eXtreme Custom Pool Table

How Your Swimming Pool Could Get You Sued

Installing a backyard swimming pool can make those hot summers a lot more fun and relaxing, but could it get you into a lot of financial trouble too?
The short answer is: yes.

If you're not properly insured, and someone gets hurt in your pool, you are inviting law suits.
I know what you're thinking: my friends and family are the only ones who use my pool... they're not going to sue me if anything happens.

Guess again.

It's not necessarily that people love to sue or even want to.
They may have to.
With the high costs of medical expenses today, a family that suffers a serious injury (or--god forbid--a death) probably can't afford not to sue.

And if a person was injured at your pool in your backyard, guess who's technically at fault?


If someone gets hurt, don't be surprised by a lawsuit: expect it.
And don't think you can watch the pool every moment to make sure nothing...

How Your Swimming Pool Could Get You Sued
Pool table > How Your Swimming Pool Could Get You Sued