Posts Tagged ‘Home’

Swimming Pools Safety Tips to Consider for HomeownersSaturday, October 29th, 2011

One of the main things about practicing pool safety is to never leave children unattended in or around the pool. In order to keep people from using the pool when you are not around, you should have a high fence around it, so that no unauthorized people can get in and use the pool. You also have to make sure that the gates latch on the inside. Even if someone uses your pool without your permission and an accident happens, you can be held liable because it was not properly secured.

Make sure that a professional installs the pool so that it complies with safety standards. Do not rely too heavily on flotation devices when you have guests that are not swimmers and make sure there are no toys floating on the surface when there are small children around. The toys can attract them to try to reach for them and accidentally fall into the water. When the pool is not in use you should have a cover over it so that no one can accidentally slip and fall into the pool. Always store the chemicals you have for the pool in a safe area, away from children. (content from

Dog Bite Liability & Home Owner Insurance RatesTuesday, October 25th, 2011

Owning a dog can affect the rate of the premium you have to pay for insurance. It also depends on the type of dog you have. For example, a pet poodle may not make any difference in the insurance policy, but a larger dog, such as a German Shepherd or a Doberman, may cause a significant rise because of the possibility that a guest in your home might get bitten. It doesn’t matter if the guest aggravated the dog or not. Any injury to anyone on your property is your responsibility. You should look into having dog bite liability included in the policy because if you do not reveal that you have a large dog, the company could refuse to pay the medical bills that a court case will force you to pay.

The insurance industry reports that there are increases in the amounts paid out due to dog bites. If you own a dog, you have a responsibility to ensure that it is properly trained and avoid situations where the dog may bite someone. If the animal doesn’t like strangers, you should have a room where you can keep it when you have company. If your dog does bit someone, you could be faced with huge increases in your premiums and even cancellation of your policy. (content from

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