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Home Features That Require Enhanced Coverage

By October 26, 2018 April 1st, 2019 No Comments

Homeowners insurance coverage should be configured to meet the particular needs of each homeowner. When your risks go beyond standard perils, you will need a policy to match that. There are specific items that require enhanced coverage so you have adequate protection in both the property and liability areas. An insurer can review your property, its contents, and the unique perils you face to tailor a policy that best fits your needs, such as a High-Net Worth Homeowners Insurance program.

If your home has any of the following features, we strongly encourage you to talk to your insurer about the possibility of additional coverage.


Speak with your homeowners insurance agent to learn about the liabilities of trampoline ownership. Since trampolines are can be very dangerous and pose a great risk of injury, they typically require enhanced coverage. You will want to be sure you are fully covered for any lawsuit involving the trampoline.

Swimming Pools

Swimming pools are considered an “attractive nuisance”, which is something on someone’s property that might attract a child and pose a risk to that child’s well-being. The owner of a property with an attractive nuisance, such as a pool, is liable for any child who uses it, whether the child has permission to or not.

As you can imagine, a lawsuit for the death of a child, or anyone for that matter, can exceed the standard amount of protection. Therefore, having a swimming pool requires enhanced high net worth homeowners insurance coverage to properly protect you in a any liability claim.

Dog Breeds

Insurers must view your pets objectively and look at every unforeseen risk when creating your homeowners policy. Even the best-trained animals can be unpredictable. If there’s a chance your dog could pose a threat to people in your home or even away from it, you may need specialized coverage.  Standard homeowners insurance may cover dog bites. But when determining perils and possible risk your dog brings, this could lead to needing an enhanced policy.

Breed is a key factor when it comes to predicting which dogs are most likely to attack, though, many breed preconceptions aren’t necessarily true.A liability claim can come from just about any breed, and regardless of what you think about your dog, insurers must measure your liability risk potential.

Exterior Structures

Exterior structures can include items like detached garages, sheds, decks, and even fencing. These items can be quite expensive to install, yet it is common for them to need repaired or even replaced often. Ask a high net worth homeowners insurance provider about additional coverages that may be necessary for proper protection.

About IFS Insurance

At IFS Insurance, we specialize in protecting homeowners and renters throughout Delaware, New Jersey, Pennsylvania, and Maryland. Our quality solutions and commitment to excellence has allowed us to serve these states for over 50 years. For more information about our products, we invite you to contact us today at (800) 598-0420