Keep Your Outdoor Space a Happy Place

Maybe you’re confident you’ve got all the right insurance protection in place: car, home, business, life, travel – even pet insurance for Muffin, the family pup. But what about your outdoor spaces? Have you added a pool? A gazebo? A storage shed? If so, you may not be adequately covered under your homeowner’s policy – and that could leave you open to huge financial risk.

That’s true whether you actively invite people onto your property – or fail to erect barricades to keep unauthorized people out. Take a look around. Are your outdoor spaces well maintained? If not, they can represent serious health hazards – and possible financial devastation if someone is hurt on your property.

Here are a few pointers to consider:

  1. Find out whether any recent additions or improvements you’ve made are covered under your homeowner’s policy.
  2. Check the condition of each structure (including deck, stairs, walkways, etc.) and repair or replace any equipment or areas that show excessive wear or have become structurally unsound.
  3. Perform regular, routine maintenance on all your outdoor property.
  4. Check to ensure you’re adequately covered. The standard recommended liability insurance is $1,000,000.
  5. Consider purchasing umbrella coverage to enhance your existing auto and homeowner’s policies.

So take the time to look a little closer at your outdoor spaces. Then, give Steers Insurance a call. We’re right in your neighbourhood and as close as your phone. We’ll help make sure your outdoor summer recreation is as safe and worry-free as it is fun!