Insurance Coverage for Your Swimming Pool & Safety Tips

If you are looking to add a swimming pool to your property, you may be curious how it impacts your home insurance policy.

First of all, you will need to alert your agent of the swimming pool addition. If you do not alert your insurance carrier of your pool addition, you may not be covered for any claims. Your homeowners insurance can provide coverage for certain damage that occurs to the pool such as a fallen object or fire. Our agents can help you determine what type of coverage you need for your pool. It can be considered personal property coverage or other structure coverage on your home insurance policy.

Swimming pools also increase your liability risk. If a guest had an injury at your pool, liability coverage can provide you with coverage for bodily injury, medical bills, or even legal fees. Talk to your agent about your current liability insurance coverage and whether it is beneficial to increase your limits. We can review your personal umbrella policy with you.

It is important to note that many insurance carriers will require you to build a fence around your pool in order to provide coverage. We are here to help provide coverage details so you better understand your insurance for your swimming pool.

Pool Safety Tips

Swimming pools bring several exposures to injury. To limit your exposure, setting strict guidelines around the swimming pool for security can considerably lower the chances of injury occurring. Adhere to these safety tips when in and around a pool:

• Supervision: kids should never be left unattended around a swimming pool. If your children or friends intend to make use of the pool, always call for grown-up supervision. If your children’s pals are wanting to use the swimming pool and you’re unable to supervise, ask another parent to supervise.
• Call for walking: water and concrete are unsafe. Lower the opportunities of a slip and fall injury by making certain everyone around the swimming pool walks and does not run.
• No glass around pool: glass can fall into the pool or around the deck and create an unsafe situation.
• Routinely examine: check the items used around a pool like the diving board, slide or flotation equipment.
• Fence & lock the pool: most insurance providers will need fencing of at least 4 feet to exist around a swimming pool.
• Mount an alarm: you can set up an alarm that detects when somebody enters the swimming pool.
• Safeguard your pets: animals are attracted to water, especially on a warm day. Keep your pool area secured from animals when you’re not using it to help prevent them from falling in.

By following appropriate safety precautions you can have plenty of terrific memories and your kids can have a lot of fun! Enjoy your swimming pools responsibly. If you have inquiries on swimming pool requirements for insurance purposes, we have answers. Our qualified representatives can help review whether your property is insurable and how you are covered in case you have a claim.