Your backyard swimming pool is a great place to beat the heat with your family and friends during the warm days of summer. Before diving in, you will want to ensure you have the proper coverage on your homeowners insurance policy to include your swimming pool.
Homeowners Insurance Coverage
An inground or above ground swimming pool is often eligible for homeowners insurance coverage.
You’ll need coverage for damage to the pool and for liability as the pool owner. If your pool is damaged by an event, such as a tree falling during a storm and landing in the pool, you will want coverage to help pay for the necessary repairs. Covered risks are listed in your homeowners insurance policy and may vary depending on the type of pool and other circumstances. Damage caused to the swimming pool as a result of neglect is not covered under your homeowner’s insurance policy.
You will also want to take a look at the liability coverage included in your homeowners insurance policy. Liability claims from a swimming pool are more likely to occur than claims due to damage to the pool. Liability coverage helps cover expenses if a guest is injured at your pool. Because having a swimming pool increases your liability risk, you will want to consider increasing your liability coverage by adding umbrella liability insurance.
Pools are known as attractive nuisances. That means that you must take extra care to protect children who could enter your property. It’s important to reduce the risk of accidents at your pool by enclosing the pool area with a fence and following pool safety practices. A few important safety tips are:
- Never leave a child unattended in or near water.
- Teach children how to swim.
- Install proper barriers, covers, and alarms on and around your pool or spa.
- Learn how to perform CPR on adults and children.
You can find additional resources for pool safety at the website Pool Safely.
Zuber Insurance can help you determine the appropriate insurance coverage for your swimming pool. Contact us so you have the protection you need.