JACKSON, Miss. – Thursday, June 20 marks the first day of summer but many Mississippians have been taking advantage of warm weather for weeks. If you have a pool or are thinking of adding one, there are insurance needs you should consider.

1.      Some companies may not cover your pool if you don’t have safety measures like fences or a pool cover.
2.      You should make sure your homeowners policy has enough personal liability coverage, in case a visitor is hurt at your pool.
3.      Many policies don’t cover gradual leaks. Leaks should be repaired quickly to avoid water damage to your home.
4.      In-ground pools are considered part of your home and covered under your homeowners policy.
5.      An above-ground pool is consider personal property and you may need extra coverage for that.

While it may be tempting to cancel an insurance policy during the “off-season” to save money, keeping your coverage protects your items from damage year-round. In addition to pools, consider coverage for boats and jet skis.

Summer travel may also mean renting a car and the rental company may ask you to purchase insurance through them.

• Consider how much the rental insurance costs.
• Research your credit card coverage.
• Get familiar with your personal auto policy.
• Consider gaps in coverage.
• Talk to your insurance agent.