Dianne Drinkwater, Berkshire Hathaway Homeservices Florida Network RealtyPhone:
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.
Dianne is a full time, full service, state licensed Realtor®, member of Northeast Florida Regional Association of Realtors® (NEFAR), St. Augustine/ St.Johns County Board of Realtors, National Association of Realtors® (NAR), Florida Association of Realtors® (FAR), and Northeast Florida Regional Multiple Listing Service And St. Augustine/St. Johns (MLS), Shearwater Certified, and Military on the Move Designation.
She provides a unique blend of leadership, sales acumen, project management, technology, and world class customer relation skills to enhance Watson Realty Corporation's values in the real estate sales and mortgage marketplace. She is a decisive take action solution-oriented professional with 25+ years of progressive business experience who efficiently utilizes technology to improve results. She has lived in the St. Augustine/Jacksonville area since 2005 and has seen the area continue to flourish and stays well informed of future growth plans within Northeast Florida.
Let's take a look at the lighter side of Dianne. She loves life is artistic loves music, the arts, yoga and genealogy! She loves to explore and hates to be bored. She loves the outdoors, especially plant life and wildlife. She has been a Master Gardener in Florida and Maine; as a photography enthusiast she has the eye to spot the perfect shot, which spills over to the photos she makes of the properties she markets AND frequently hires the best specialized real estate photographers/drone and videographers who make the difference in the sale. And, she loves to share her knowledge of the local real estate market and all aspects of the process to guide you through each step as a coach rather than a salesperson.
So, let's sum it up. Buying or selling your home is an important life decision. Reasons can vary greatly from change of lifestyle, to relocation or life challenges. You need someone you can trust, count on, respect and help shoulder the stress, anxiety and time commitment involved. Doesn't this sound like someone you want working for you?
So, what's the next step? Contacting Dianne of course. It is all about YOUR needs, goals, timeline and DREAMS! She's here to help you achieve them and she looks forward to hearing from you.
What are you looking for in a Realtor? - Someone who will really listen to your wants and needs? Someone who will expertly market your home until the SOLD sign adorns your front lawn or if you are a buyer tirelessly researches your wish list to find that perfect home? - How about someone who will always be honest, holds ethics in high regard as a realtor, who works aggressively to get you the best price for your home and someone who knows the market?
Selling or buying a home is a partnership with your trusted advisor- Dianne Drinkwater