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There is something about March that feels like a release. Windows crack open. Boots trade places with lighter shoes. The weight of winter begins to lift.

But in Missouri and across the Midwest, March does not arrive gently. It arrives with tension in the air. One day calm, the next unpredictable. Warm fronts collide with lingering cold, and what follows is a season that tests roofs, siding, outbuildings, and everything in between.

Spring may feel like a fresh start, but from an insurance perspective, it is one of the most active and volatile times of the year.

The Reality of Spring Weather in the Midwest

March and April consistently rank among the most active months for severe weather across the central United States. As temperatures fluctuate, the atmosphere becomes unstable, creating the perfect conditions for:

• High winds and straight-line gusts
• Heavy rain and rapid ground saturation
• Hailstorms, often with little warning
• Early-season thunderstorms capable of producing widespread damage

Industry trends continue to show that a significant portion of annual property claims in the Midwest occur during early spring. In many years, nearly 30–40% of weather-related property losses happen between March and May, with March often setting the tone.

That means before summer storms ever arrive, properties have already faced some of the most impactful weather events of the year.

Why March Causes So Much Damage

It is not just the severity of storms. It is the condition of what those storms are hitting.

After a full winter season, many properties are already carrying unseen wear:

• Roofing materials can become brittle or loosened from freeze-thaw cycles
• Gutters often hold debris from fall and winter buildup
• Fence posts and structures may shift in frozen ground
• Outdoor fixtures and equipment may weaken over time

When spring winds pick up or hail begins to fall, those small vulnerabilities can quickly turn into larger losses.

The Controllables: What You Can Do Now

We cannot stop a storm, but we can prepare for it. Early spring is the ideal time to walk your property and take a closer look at the pieces that matter most.

Secure Outdoor Structures and Equipment

Items that feel permanent are not always as stable as they seem after winter:

• Check carports, sheds, and small outbuildings for proper anchoring
• Inspect fencing for loose posts or weakened panels
• Secure patio furniture, grills, and decorative items that could become airborne

Even strong gusts without severe weather warnings can cause significant damage.

Inspect Gutters and Drainage

Water needs direction. When it does not have it, it finds its own way:

• Clear gutters and downspouts of leaves and debris
• Make sure water is directed away from your foundation
• Check for sagging or separation that could lead to overflow

Spring rains can overwhelm even minor drainage issues.

Evaluate Roofing Condition

Your roof takes the first impact of every storm:

• Look for missing, curled, or lifted shingles
• Check around vents, flashing, and roof edges
• Consider a professional inspection if it has been a few years

If you are replacing your roof, impact-resistant shingles can help reduce damage from hail and extend the life of your investment.

Check Windows and Exterior Openings

Wind-driven rain can expose even small vulnerabilities:

• Ensure shutters are secure and functional
• Check window seals and frames for gaps
• Inspect siding for loose or damaged panels

A small opening can quickly lead to interior damage during a storm.

Maintenance Matters More Than You Think

There is a common thread in many spring claims. It is not always the storm itself. It is what the storm finds.

A well-maintained property is not immune to damage, but it is far more resilient. Regular upkeep, even simple seasonal checks, can reduce the likelihood of loss and limit the severity when something does occur.

This is not about perfection. It is about awareness.

Moving Into the Season with Intention

Spring in Missouri will always bring a bit of unpredictability. That is part of its nature. But preparation changes how those moments are experienced.

A quick walk around your property. A few small adjustments. A closer look at the details that matter. These are simple steps that can make a meaningful difference when the weather shifts.

And when questions come up, or you are unsure how your coverage responds to these types of losses, that is where a conversation matters. Sitting down with your local agent helps connect the condition of your property with the protection you have in place.

At LCM Insurance Agency Inc., we are here to help you think ahead, understand your coverage, and make confident decisions before the storm arrives.

Here through all the seasons and all the reasons you need us.

February in Missouri has a quiet look to it. Fields are resting. Fence lines are still. From the road, it can seem like nothing much is happening. But step inside a machine shed or pull up a chair at the kitchen table, and you will see that planning season is in full swing. In agriculture, this is where the year really begins.

Across Missouri, farmers are already laying the groundwork for spring. Soil samples are being pulled and tested to determine fertilizer needs. Seed orders for corn, soybeans, and wheat are being finalized. Herbicides and inputs are secured before availability tightens. Equipment is being repaired, cleaned, and calibrated. When the ground is ready, there is no time to waste on breakdowns that could have been prevented in February.

Producers are also watching the markets, making decisions on stored grain from last fall’s harvest. These choices help shape cash flow for the year ahead. It may be winter on the calendar, but it is preparation season in practice.

Orchards and specialty growers are busy as well. Late February is a good time for pruning apple trees, grapes, and bramble fruits. On warmer days, dormant oil sprays are applied to protect against insects before growth begins. Vegetable growers are starting hardy plants indoors, and some producers are planning cover crops to protect soil health heading into spring.

Livestock operations are anything but slow this time of year. Many farms are in the middle of calving and lambing season, which requires close monitoring and quick response to changing weather conditions. Pasture decisions are made carefully, especially during early green up, when grazing too soon can damage forage for the rest of the year.

While all of this planning is taking place, February is also a wise time to review farm insurance coverage before the pace of spring sets in. A few areas deserve particular attention:

• Rented acreage and lease agreements. Whether you are farming rented ground or leasing land to someone else, coverage should clearly reflect that arrangement. Liability and crop responsibilities can shift depending on who controls the property and how it is used.
• Farm liability limits. As activity increases in spring, so does exposure. Employees, custom work, equipment on the road, and livestock all carry risk. It is worth confirming that liability limits still match today’s realities.
• Crop insurance. Many crop insurance deadlines fall early in the year. February is often the last opportunity to review coverage levels, update yield histories, and make adjustments before planting begins.
• Equipment values. Machinery costs have climbed significantly. Tractors, planters, and combines purchased years ago may be worth more to replace than many policies reflect. An annual review helps avoid being underinsured.
• Barns and outbuildings. Winter weather can take a toll on roofs and structures. Before spring storms arrive, it is smart to confirm coverage amounts and address any maintenance concerns.

Missouri agriculture has always been built on long-term thinking. Farmers plan months ahead, sometimes years ahead, because they know preparation makes the difference between a smooth season and a stressful one. Insurance fits into that same mindset. It is not about expecting the worst. It is about being ready if it happens.

At LCM Insurance Agency Inc., we work with farm families across Missouri to make sure coverage keeps pace with the way they operate. If you would like to review your farm policy before the rush of planting season begins, we are here to help. Through all the seasons and all the reasons you need us, we are ready when you are.

Winter has a way of exposing things we did not know were vulnerable.

As temperatures drop across Missouri, property insurance claims tend to rise. Not because winter is extreme every year, but because cold weather reveals gaps in property maintenance, home care, and sometimes insurance coverage itself. Cozy blankets, warm cups of cocoa, and snow-covered landscapes are part of January living. Frozen pipes, ice dams, roof stress, and costly losses can be part of it too.

The hard truth is that winter losses often uncover coverage surprises. Many Missouri homeowners only realize something is not covered after the damage has already been done.

The Most Common Winter Property Claims in Missouri

According to the Missouri Department of Commerce and Insurance, winter-related losses are among the most frequent property insurance claims during prolonged cold spells, particularly those involving water damage and structural stress.

Some of the most common January claims include:

• Frozen or burst pipes

Unprotected pipes in basements, crawl spaces, garages, and exterior walls can freeze quickly during Missouri cold snaps. When they burst, water damage can spread fast and affect flooring, drywall, insulation, and personal property.

• Ice dams and interior water damage

Ice dams form when attic heat melts roof snow that later refreezes at the eaves. The University of Missouri Extension notes that ice dams are a leading cause of winter roof leaks in Midwestern homes, often sending water behind siding and into ceilings and walls.

• Roof damage from snow and ice weight

Heavy snow and ice accumulation can place significant stress on roofs, especially older homes, flat roofs, barns, and outbuildings. In severe cases, collapse due to the weight of ice and snow becomes a real concern.

• Gutter-related losses

Clogged or damaged gutters prevent proper drainage, allowing ice buildup and water backup that can damage fascia, siding, and foundations.

• Outbuilding and secondary structure damage

Sheds, carports, detached garages, barns, and livestock structures are often overlooked until winter weather puts them to the test.

How Missouri Homeowners Can Reduce Winter Losses

While no one can control Missouri weather, preparation makes a measurable difference.

• Insulate exposed pipes and maintain consistent indoor heat
• Allow faucets to drip during extreme cold when appropriate
• Seal attic air leaks and ensure proper insulation to reduce ice dam formation
• Clean gutters and confirm downspouts are draining away from structures
• Safely remove excessive snow from roofs when accumulation becomes heavy
• Inspect older outbuildings before winter to identify structural weaknesses

The Missouri Department of Insurance consistently emphasizes that preventable maintenance issues are a major contributor to winter property claims.

Where Coverage Gaps Often Surface

Winter is also when insurance coverage gaps tend to reveal themselves.

Did you recently add a shed, carport, or detached garage?

Have you expanded your property, purchased land, or added barns or livestock areas?

Are you certain your policy includes coverage for collapse due to the weight of ice and snow?

Many Missouri homeowners assume coverage automatically extends to everything on their property. That is not always the case. Some structures require specific endorsements. Others may not be covered unless they have been disclosed, scheduled, and properly insured.

The One Step That Makes the Biggest Difference

The simplest way to avoid winter coverage surprises is an annual policy review with your local insurance agent.

A brief conversation can confirm that your Missouri homeowners insurance properly reflects your home, outbuildings, land improvements, and winter-related risks. It also allows time to address changes made over the past year before they turn into uncovered losses.

Winter does not have to be the season when problems surface. With the right preparation and the right coverage, it can stay exactly what it should be: calm, comfortable, and predictable.

At LCM Insurance Agency Inc., we believe peace of mind comes from understanding your coverage before you need it. We are here for you through all the seasons and all the reasons you need us.

If you have questions about winter risks, property insurance coverage in Missouri, or recent changes to your home or land, now is the perfect time to reach out. A short review today can prevent a long and expensive headache tomorrow.

There is nothing quite like the glow of holiday lights to signal the start of the season. Homes, farms, and neighborhoods across Missouri light up as families decorate, gather, and celebrate. While holiday decor adds warmth and joy, it also brings a temporary increase in fire, electrical, and property risks if safety steps are overlooked. A little preparation goes a long way in keeping the season merry, bright, and safe.

Choose Decorations with Safety in Mind

Not all decorations are created equal. When purchasing lights, inflatables, extension cords, or electric decor, look for products that are UL or ETL certified. These certifications indicate that the product has been tested to meet recognized safety standards.

Avoid using older light strings that show signs of wear, such as frayed wires, cracked insulation, loose bulbs, or exposed metal. If a strand looks questionable, it is best to retire it. Decorations are far less expensive than repairing fire or electrical damage.

Outdoor decorations should always be rated for outdoor use. Indoor lights are not designed to withstand moisture, cold temperatures, or temperature fluctuations

Avoid Overloading Outlets and Extension Cords

One of the most common holiday hazards is overloading electrical systems.

Use extension cords sparingly and only as a temporary solution. Extension cords should never be run under rugs, through doorways, or pinched behind furniture where heat can build up unnoticed. Power strips should not be daisy chained together, and outlets should never be overloaded to accommodate just one more strand.

If you find yourself needing multiple cords or adapters, that is often a sign to scale back or rethink the setup. A simpler display is often the safer option.

Practice Safe Outdoor Lighting

When decorating outdoors, use ground fault circuit interrupter outlets when available. Secure cords away from walkways to prevent tripping hazards, especially in icy or snowy conditions. Fasten lights with clips rather than nails or staples, which can damage wiring.

Weather changes quickly in Missouri. Check outdoor decorations periodically throughout the season to make sure cords have not shifted, cracked, or pulled loose due to wind, ice, or temperature swings.

Christmas Tree Safety Matters

Live Christmas trees bring beauty and tradition, but they require proper care. A dry tree can become a serious fire hazard.

Choose a fresh tree with flexible needles that do not easily fall off. Before placing the tree in water, cut one to two inches off the bottom of the trunk straight across at a 90-degree angle. This fresh cut allows the tree to absorb water more effectively and helps it stay hydrated longer. Yes, many of us grew up cutting the trunk at an angle, but it turns out we have learned a thing or two over the years.

Keep the tree well watered at all times and place it away from fireplaces, heaters, and heat vents. Tree lights should be turned off before leaving the home or going to bed.

Artificial trees should be labeled as fire-resistant, and lights should be in good condition before being installed.

Candles and Decorative Flames

Candles, lanterns, and decorative flames should always be used with caution. Keep open flames away from decorations, wrapping paper, curtains, and greenery. Never leave candles unattended, and consider using flameless LED options in high traffic areas or homes with children or pets.

Prepare Your Home for Fire Safety

The holidays are a smart time to revisit basic fire safety habits.

Check smoke detectors on every level of your home and test them to make sure they are working properly. Review your household fire escape plan and confirm that everyone knows two ways out of each room when possible. Establish a safe outdoor meeting place so everyone knows where to gather in the event of an emergency.

Keep a fire extinguisher easily accessible, especially in the kitchen and near fireplaces or wood stoves. Having a fire blanket on hand can also be helpful for quickly smothering small flames or addressing clothing fires.

A Safe Season Brings True Peace of Mind

Holiday decor should create joy, not worry. Taking a few extra minutes to inspect decorations, manage electrical use, care for live trees, and review fire safety can help prevent losses that no one wants during this time of year.

If you have questions about how your policy responds to fire or electrical losses, or if you are adding significant seasonal displays, we are always happy to talk it through with you. At LCM Insurance Agency Inc., our goal is to help protect the homes, farms, and families we serve through every season, including the brightest ones.

When winter settles into Missouri and the temperatures begin their steady slide, nothing feels better than the glow of a fireplace or the steady heat of a wood stove. In rural homes, barns, workshops, and outbuildings, these heat sources are more than comfort. They are part of daily living. But with warmth comes responsibility, and a few simple precautions can protect your family, property, and peace of mind all season long.

Start with a Clean, Healthy Chimney

A clean chimney is the first line of defense against winter fire hazards. Schedule a professional chimney sweep at least once a year to remove soot and creosote buildup. Even a small amount of creosote is highly flammable, and regular cleaning helps smoke vent properly and keeps heat where it belongs.

Control Embers and Sparks

Whether you are burning seasoned logs in a fireplace or feeding a wood stove, ember control is key. Use a sturdy screen or door to prevent sparks from escaping, and always keep combustible items like blankets, paper, curtains, and stacked wood at a safe distance. Fireplaces and stoves need open air but plenty of clearance.

Give Heat Sources the Spacing They Need

Many winter fires begin because heaters or stoves are placed too close to walls, furniture, or stored items. Follow the spacing guidelines for your appliance, and keep walkways clear. This is especially important in workshops, garages, and barns where tools, feed, or equipment can drift closer than intended. A few extra inches can prevent a dangerous situation.

Handle Ashes with Care

Ashes can hold heat long after a fire is out, sometimes for days. Store them in a metal container with a tight lid, placed outdoors on bare ground or concrete. Never place hot or warm ashes in plastic containers, cardboard boxes, or near wooden structures. When in doubt, give ashes more time to cool before disposal.

Heat Sources in Barns and Workshops

Rural living often means heating larger spaces like barns, sheds, and shops. Before lighting anything, inspect wiring, outlets, and equipment for damage. Use only heaters approved for the type of space you are warming. Always keep propane, fuel, hay, straw, bedding, and machinery away from ignition sources. A warm workspace is good. A safe workspace is better.

The Missouri Way: Prepared, Practical, and Protective

Missourians understand the value of preparation. Winter heating goes smoothly when appliances are maintained, safety habits are in place, and families know what to expect. A little care helps protect your home, your time, and the people you love.

If you have questions about how your policy addresses fire damage, barns or workshops, or rural heating setups, we are here to help.

Reach out to Jeff Davis or Cathy Filsinger at LCM Insurance Agency Inc. today.

LCM Insurance Agency Inc.
Through all the seasons and all the reasons you need us.
Phone or Text: 636-528-8242

National Checklist Day is a reminder that organization isn’t just about productivity; it’s also about protection. When it comes to your home and personal property, an updated inventory can make all the difference after a fire, theft, or storm loss. Having accurate records helps your insurance adjuster process a claim quickly and ensures that the coverage you’ve worked hard for truly works for you.

Start with a simple list of your valuables. Include furniture, electronics, appliances, décor, and other items that would be costly to replace. Don’t forget seasonal equipment, jewelry, or specialty items like sporting or hunting gear and collectibles. If you’ve recently acquired antiques or other high-value pieces, talk with your agent about additional coverage options to protect their appraised worth.

Modern tools make the process easier than ever. Use your smartphone to take photos or record a video walkthrough of each room. Narrate what you see, describe brands, models, or serial numbers when possible, and store the files securely in cloud storage or an external drive. For receipts or proof of purchase, snap a quick picture and attach it to your digital inventory folder. Be sure to include off-site storage such as a storage unit, barn, or detached garage so nothing of value is overlooked.

Here’s a quick reminder checklist to get started:

• List every room, including closets and storage spaces
• Include off-site storage areas and outbuildings
• Photograph or video each area
• Record item details and approximate values
• Keep receipts or appraisals for high-value items
• Update your list after major purchases or renovations
• Review your coverage with your agent annually

Taking the time to organize your inventory today means less stress and fewer questions tomorrow. Your agent is always ready to help you make sure your protection reflects your life as it changes, whether you’re adding new valuables, remodeling, or just doing your annual policy checkup.

At LCM Insurance Agency, Inc., we are proud to help families and property owners across Missouri find dependable protection through trusted carriers like Lincoln County Farmers Mutual and others. We work with you to review your coverage, identify gaps, and ensure that your insurance fits your needs, not the other way around.

To learn more or schedule a free policy review, contact one of our trusted agents:

Jeff Davis or Cathy Filsinger
📍 201 Main Street, Troy, Missouri
📞 636-528-8242 | 🌐 www.lcfminsurance.com

LCM Insurance Agency, Inc.
Through all the seasons and all the reasons you need us.

There’s something special about September in Missouri; the first cool breeze after summer, the colors starting to shift, and the reminder that fall is just around the corner. While we welcome the beauty of the season, September is also National Preparedness Month, making it the perfect time to pause and ensure our homes and families are ready for whatever comes with the change in weather.

Review Your Insurance Coverage

As life changes, so do your insurance needs. Have you added a new building on your property, upgraded equipment, or made home improvements? Maybe it’s been a while since your last policy review. Taking time this month to check your coverage ensures you’re not left with surprises if storm damage, water leaks, or other unexpected events occur. Our agents are here to walk through your policies and make sure they’re up to date and tailored to your needs.

Prepare Your Home for Fall Weather

September often brings wetter, windier conditions that can put stress on your property. A quick seasonal checklist helps reduce risks:

• Clean out gutters and downspouts to keep rainwater flowing properly.
• Inspect your roof for missing shingles or soft spots.
• Seal windows and doors to keep out drafts and moisture.
• Trim back trees and branches that could fall during strong winds.
• Test sump pumps to ensure they’re ready if heavy rains arrive.

A little prevention now saves costly repairs later.

Build or Refresh Your Emergency Kit

Preparedness also means having supplies on hand for the unexpected. An emergency kit should cover the needs of every family member—two- and four-legged alike. At a minimum, stock:

• A 7-day supply of food and water
• Flashlights, extra batteries, and a first aid kit
• Medications and copies of medical records
• Important documents in a waterproof container
• Blankets, seasonal clothing, and hygiene items
• Pet food, leashes, and comfort items for your furry family members

These basics provide peace of mind and security should power outages, storms, or emergencies occur.

At Lincoln County Mutual Insurance Agency, Inc., we believe being prepared is one of the greatest gifts you can give your family. This September, take a little time to welcome fall’s beauty while also making sure your home, policies, and emergency plans are in order.

For timely updates, consider signing up for official weather alerts through the National Weather Service:

• NOAA Weather Alerts: https://www.weather.gov/subscribe
• Wireless Emergency Alerts (WEA): https://www.weather.gov/wrn/wea

Agents: Cathy Filsinger & Jeff Davis

320 Main Street – Troy, MO 63379
636-528-8242

Through all the seasons and all the reasons you need us.

For many families, the idea of building or renovating a home is more than a construction project. It’s the dream of finally having that wraparound porch where summer evenings can be enjoyed, a kitchen expansion where holidays are celebrated, or an addition that makes room for a growing family. These projects are milestones that represent both hard work and future memories, and protecting them should be part of the plan from the very beginning.

That’s where Builder’s Risk coverage comes in. This specialized form of property insurance protects structures, materials, and equipment during the course of construction or renovation. Unlike standard homeowners insurance, which typically does not cover a home under construction, Builder’s Risk steps in to safeguard against losses from fire, theft, vandalism, wind, and other unexpected events. Some policies may also extend to cover financial setbacks caused by project delays, giving peace of mind when schedules shift.

Who needs it? Anyone with a financial stake in the project benefits from Builder’s Risk coverage. Homeowners, contractors, and subcontractors all invest in materials, equipment, and labor that could be at risk if disaster strikes. From lumber stacked in the driveway to appliances waiting for installation, this policy helps ensure that your investment is shielded from the risks that often accompany building season.

Before starting a remodel or new build, it helps to plan ahead. A little preparation goes a long way toward reducing stress and avoiding delays:

Remodel Readiness Checklist

• Confirm your contractor is licensed and insured
• Talk with your insurance agent about Builder’s Risk coverage
• Create a timeline with room for weather or delivery delays
• Secure permits and approvals before breaking ground
• Store materials safely on-site to reduce exposure to damage or theft
• Keep communication open between all parties involved

With summer being prime time for new builds, home additions, and real estate updates, now is the perfect moment to talk with your local agent about whether Builder’s Risk coverage fits your needs. Your dream deserves more than hard work and careful planning. It deserves protection from the unexpected so you can focus on creating a home filled with the moments that matter most.

For more information, contact our trusted agents, Cathy Filsinger and Jeff Davis, at 636-528-8242 or visit lcminsuranceagency.com.

Lincoln County Mutual Insurance Agency, Inc.
320 Main Street • Troy, MO 63379
Through all the seasons and all the reasons you need us.

Summer is prime time for home enjoyment. It’s also when certain property risks sneak up unnoticed. While we’re all focused on cookouts, vacations, and keeping cool, the sun and heat can quietly be taking a toll on your property. Staying aware of these risks isn’t just about prevention. It’s about protecting the investments you’ve worked hard for.

1. UV Damage Isn’t Just for Skin

That relentless summer sun can degrade more than you think. Shingles, siding, decking, and outdoor furniture can all suffer long-term wear from intense UV exposure. This kind of deterioration isn’t generally covered on your policy, but ignoring the signs can lead to extensive and cascading damage. Make sure you’re keeping tabs on how your exterior holds up through the season.

2. Vegetation Can Be a Fire Hazard

Missouri summers bring heat and growth. Trees and shrubs that get too cozy with your siding, fencing, or outbuildings can increase your fire risk. The combination of dry branches, dead leaves, and summer heat is no friend to your property. Vegetation also creates easy entry points for pests, and can block ventilation systems and outdoor unit access.

3. Outdoor Kitchens Need More Than Good Recipes

Grills, smokers, and outdoor appliances add flavor to your summer, but they also bring real risk if not used and maintained safely. Check for cracked hoses, frayed wiring, or improperly stored fuel. And don’t forget your coverage. Some outdoor fixtures may require specific language in your policy or a special endorsement to be fully insured.

4. The Vacation Home Vibe Comes with Risk

If you have a second home or a vacation rental, summer might be its busiest and riskiest season. These properties often sit unattended, making them a target for theft or vulnerable to unnoticed damage. The right insurance protection should include seasonal occupancy clauses and clear documentation of assets kept on-site.

Summer Property Risk Checklist:

• Inspect roof and siding for UV damage or warping
• Trim all trees and shrubs at least 5 feet from structures
• Check and clean grill components before every use
• Secure and document outdoor fixtures like pergolas and kitchen appliances
• Review your vacation home coverage for fire, theft, and occupancy changes
• Update your property inventory with photos included for all locations

Staying cool this summer isn’t just about comfort. It’s about taking a proactive approach to summer risk prevention. Your property faces unique exposures in July and August. Now’s the time to review your policy, inspect your space, and talk to your agent about where you may need extra protection. We’re here through all the seasons and all the reasons you need us!

As the temperature rises and summer days stretch longer, backyard pools become the centerpiece of fun for many Missouri families. Whether you’re planning pool parties, enjoying a quiet float, or watching kids dive in with excitement, there’s more to pool ownership than fun and sunscreen. There are serious liability risks and potential gaps in insurance coverage that every homeowner should understand.

Pool Ownership: More Than Just Water and Sunshine

Owning a pool adds value and enjoyment to your home, but it also introduces risk. Every insurance provider has its own underwriting guidelines regarding pools, so coverage may vary depending on the type, features, and safety measures in place.

A few factors that could influence your coverage:

• In-Ground vs. Above-Ground: Some carriers may cover one and not the other. Others might require additional documentation or endorsements.
• Fencing and Gates: There are state, county, and municipal requirements in most of Missouri regarding the safe enclosure of pools. Insurance carriers have underwriting that typically looks for self-latching, lockable gates and barriers that meet local codes and more.
• Diving Boards & Slides: These fun features often come with added risk. Their presence could limit your ability to obtain coverage and even require additional endorsements.
• Pool Parties & Guests: Injuries to visiting friends or family could open the door to liability claims. A guest slipping on wet concrete or diving into shallow water may result in costly litigation.

Safety First: Protecting People and Property

To help reduce the risk of accidents and protect your home and guests:

• Install and maintain proper fencing, with a locking gate
• Use pool covers when not in use
• Keep rescue equipment nearby
• Never leave children unattended near water
• Post visible pool rules for guests
• Regularly inspect diving boards and ladders for safety

So, Is Your Pool Covered?

The answer depends on your policy and provider. Some carriers may require prior approval before insuring a home with a pool. Others might exclude pools with certain features, or require additional liability coverage. The best way to know? Schedule a policy review with your agent before the season gets into full swing.

A quick conversation could help you:

• Identify any exclusions or limitations in your current policy
• Understand how your pool affects your liability risk
• Determine if an umbrella policy could provide the peace of mind your family deserves

Don’t Let Coverage Gaps Sink Your Summer

Having a backyard pool is a joy, but only when it’s paired with safety awareness and proper insurance coverage. Take the time to check in with your local agent and ensure your policy is in shape for the season.

Through all the seasons and all the reasons, LCM Insurance Agency Inc is here to help protect what matters most.