Why Every Dallas Homeowner With a Pool Should Consider an Umbrella Policy
In North Texas, having a backyard pool is almost a rite of passage. It brings people together, creates memories, and offers a refreshing escape from the Texas heat. But with the fun also comes responsibility and, importantly, risk.
That’s why we’re taking a moment to talk about something many homeowners overlook: how a pool impacts your insurance coverage and why an umbrella policy is one of the smartest protections you can have.
The Hidden Risks of Backyard Pools
Pools may look like pure enjoyment, but from an insurance standpoint, they’re considered a higher-risk feature. Even when homeowners take precautions, fences, alarms, supervision, accidents can still happen.
In fact, pool-related incidents are one of the most common sources of liability claims nationwide. Medical bills, legal fees, and settlements can escalate quickly, often exceeding the coverage limits of standard homeowners insurance.
That’s where umbrella insurance becomes essential.
What an Umbrella Policy Does (and Why You Need One If You Own a Pool)
When we talk to homeowners who have a pool, one of the first follow-up questions we ask is simple:
“Do you have an umbrella policy?”
An umbrella policy provides an extra layer of liability protection that goes beyond your homeowners and auto coverage. If someone is injured in or around your pool, even a friend, neighbor, or visiting kid, an umbrella policy can help protect your home, savings, and future from unexpected financial loss.
Simple truth:
“Nobody wants to think about the bad things that can happen in a pool, but they are a cause for a lot of accidents. Having an umbrella in place is just an extra level of protection.”
It’s practical.
It’s affordable.
And for pool owners, it’s one of the most important safeguards you can have.
Gibb Insurance Services: Protecting What Matters Most
This discussion is brought to you by Gibb Insurance Services, proud sponsor of The Susana Gibb Show. We’re committed to helping Dallas-area families make informed, confident decisions about their coverage, especially when it comes to protecting their homes and loved ones.
Whether you’re building a new pool, buying a home with one, or simply reassessing your current coverage, our team is here to help you understand your liability risks and the best ways to safeguard against them.
