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.
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Getting The Most Out of Your Travel Deals
The lowest and the cheapest travel deals are not always the best deal. Today, travelers could be overwhelmed by the numerous travel deals being offered. Therefore you should weigh all options before choosing the right one in order to get the most out of it.
The greatest secret to getting an affordable airfare or best travel discount is to know your budget and what do you really want. Additionally, you should shop and compare deals until you run out of options and choose the best among them.
And importantly, always plan ahead.
Nothing is too early when it comes to vacation planning. This will give you ample time to search and choose.
Whether you're a business traveler or planning a family vacation, here are some travel tips to save you money and choose the best deal:
1. Buy your ticket directly. Travel agents usually charge between $15 and $35 per ticket.
2. Buy your tickets all at the same time instead...
Insurance > Getting The Most Out of Your Travel Deals
How to save money by having insurance companies fight over getting your business.
Many of the insurance quoting companies on the web can save the average person money. They do this by rating your risk (even if your high risk) and using the information you fill out when you go to their site. Their computer system routes your information to several insurance companies who all know they are competing to get your business.
Insurance companies and insurance quoting services are spending serious money with the major search engines to try and get your business. The amount they spend each year would surprise you.
The last time I checked it was about $5.00 per click on the largest search engines.
So if you are tired of spending big bucks on say auto insurance it pays to go to one or two of the insurance quoting services on the web. It takes a few minutes to fill out the forms for most people.
There are about 5-10 well known companies on the web that provide quotes that operate just the way I described.
So...
Insurance > How to save money by having insurance companies fight over getting your business.
New Medical Center Opening in Illinois
A new medical center is openign in November. National Healthcare Center offersmedical and insurance in one. Considered the Next Generation in Healthcare, NHC features both regular medical care and holistic medicine under one roof. The insurance covers both. Three insurance programs instead of one are offered to patients.
You pick the best plan for you. You control your medical coverage expenses.Not a savings or discount plan but actual medical coverage. You are covered even if you do not come to the National Healthcare Center. You are covered everywhere you go. Also new, a prescription card that includes vitamins, supplements, and herbs!Open FREE membership until November 30th.Receive 100 shares of stock in National Healthcare Center per household.Featured programs include:...Online psychologist-unlimited therapy access-marriage, family, life consulting....Skin cancer screening-be prepared and know how to prevent and handle skin cancer....Breast cancer screening-BSE (breast self...
New Medical Center Opening in Illinois
Insurance > New Medical Center Opening in Illinois
Assessing The Unique Features Of Commercial Real Estate Parcels
As commercial real estate development progresses into the 21st century, many of the principles upon which the market was founded remain the same. Whether you are a property owner, developer, or commercial real estate agent, identifying and marketing the unique features of your commercial property will maximize the attractiveness of the site to prospective buyers.Depending on the highest and best use for the property, you may be able to attract a wide spectrum of potential buyers to your site....
Assessing The Unique Features Of Commercial Real Estate Parcels real estate Insurance
Insurance > Assessing The Unique Features Of Commercial Real Estate Parcels
Attention: Locating Financing For Your Commercial Real Estate Projects Just Got Easier! Edwin Carroll Investments LLC "Your Partner for Commercial Real Estate Financing Solutions"
(ContentDesk) May 20, 2004 -- Attention Business Owners, Real Estate Investors, Business Brokers And Entrepreneurs!" Locating Financing For Your Projects Just Got Easier! Don't place your financing request in the hands of hundreds of strangers. You have no idea where your information may end up. Maybe in the hands of a competitor! Now you can screen Lenders rather than being screened by them! Reverse the script! Would you like to submit your funding request to our data base of investors, private...
Attention: Locating Financing For Your Commercial Real Estate Projects Just Got Easier! Edwin Carroll Investments LLC "Your Partner for Commercial Real Estate Financing Solutions" financing
Insurance > Attention: Locating Financing For Your Commercial Real Estate Projects Just Got Easier! Edwin Carroll Investments LLC "Your Partner for Commercial Real Estate Financing Solutions"
Insurance
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