Backyard Upgrades (Pools, Decks, Fire Pits): How They Impact Your Coverage 🏖️

A new pool or deck adds value and enjoyment to your home. It also adds liability exposure and changes what your insurance needs to cover. Many homeowners make upgrades without updating their policies, and that gap can be costly.

Here’s how common backyard additions affect your coverage:

· Pools significantly increase liability risk: Pools are considered an ‘attractive nuisance,’ meaning you can be held liable if someone is injured on your property, even without invitation. ��

· Decks and structures need to be added to your policy: Permanent structures like decks, pergolas, and gazebos are covered as other structures, but only if your policy reflects their value.

· Fire pits carry both liability and property risk: An outdoor fire feature that causes property damage or injures a guest can generate costly claims.

Upgrading your backyard? Update your policy first. Contact Agent Bill Schmauch at State Farm Insurance before construction begins to ensure full protection. ��‍��

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