后院建筑和家庭pp王者电子官网
Is your 流, detached garage or 游泳池 covered under your policy?
如果你有一个独立的车库, 流, 游泳池或你家财产上的其他结构, 它可能受到你的保护 业主pp王者电子官网政策. 记住这一点也很好, 就像你家一样, t在这里 are limitations on what kind of damages can be covered by your policy for your outdoor structures.
棚舍和室外建筑
的 coverage amount varies from policy to policy — check your policy for the specific coverage related to these items.
记得 通知你的代理人 or 车rier of the existence of these items 和 keep the rebuilding cost of these structures in mind when purchasing your 家庭pp王者电子官网政策.
Whether it's a garden 流 or a garage for your mower, your personal property inside other structures may also be covered by your homeowners insurance. 你可以考虑 个人物品政策 for some types of machinery or sports equipment (limitations apply). This type of policy protects items beyond the limitations 和 deductibles of a 业主pp王者电子官网政策.
获得房主pp王者电子官网报价
想要保护你的家?
游泳池
你是否已经有了 游泳池 或者正在考虑买一个, review liability coverage options with your insurance agent or 车rier. 大多数家庭pp王者电子官网政策都包括一些 责任保护但是如果你有游泳池的话，你可能想要更多. 的 pp王者电子官网信息研究所 recommends increasing your amount of 责任保护 or purchasing an 总括责任保单.
You can also take additional safety measures to help prevent accidents 和 reduce the potential liability exposure:
- 加一个自动关闭的高栅栏, locked gate to help keep guests from entering without your knowledge.
- Enforce safe pool rules such as: no diving into shallow water 和 walking (not running) around the edge of the pool.
- Provide non-slip surfaces around your pool to help prevent falls.
- Maintain adult supervision of children in the pool at all times.
- 在泳池附近放置必要的急救设备.
- 联系 your local municipality to determine if your pool 和 surrounding fence meets requirements for size, 深度和其他安全特性.
Property damage is another coverage type to have in mind, when you are thinking about pools. Consider asking your insurance company how this coverage applies to different pool types 和 in different claims scenarios. Underst和ing your policy might help you be better prepared for the unexpected.
栅栏
栅栏通常被认为是其他结构. Depending on the type of policy a person 车ries 和 the material of the fence, 在承保索赔的情况下, it might be paid at actual cash value (depreciated value) instead of at 重置成本.
Review 和 underst和 your homeowner’s policy to see that you have the right amount 和 coverage type, 万一不可预见的事情发生. 考虑联系 状态 Farm®代理 to inquire about the different types of coverage 和 limits available for 房屋pp王者电子官网 在你的领域，或者如果你想 捆绑你的政策1 包括家庭、 车 和 生活.
