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 any 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 if 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 fully understand your policy.
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 Policy-- 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.
- Fencing & Lock the Pool-- Most insurance providers will certainly need fencing of at the very least 4 feet to exist around a swimming pool.
- Mount an alarm-- You can set up an alarm that spots when somebody enters the swimming pool.
- Safeguard your pet dogs-- Animals are attracted to water, specifically on a warm day. Keep your pool area secured from animals when you're not using it to ensure they don't fall in.
By following appropriate safety precautions you can have plenty of terrific memories and also your kids can have a lot of fun! Enjoy your swimming pools properly. If you have inquiries on swimming pool requirements for insurance purposes, we have answers. Our qualified representatives can help ensure your residential property is insurable and that you are effectively covered in case you have a claim.