As you’re dusting off that pool cover and prepping your pool for summer, it’s also important to check off those safety precautions and revisit your insurance policy. Pools are considered an “attractive nuisance” to insurers as you are held liable for any accidents that happen in your pool, whether you gave permission for the swimmer to use it or not.
Since the pool is part of your property, you may have thought that your home insurance policy will automatically cover it. Unfortunately, this is not always the case.
Your Pool Insurance Checklist
- Make sure that your pool is declared and listed on your policy, whether it’s an in-ground or above-ground pool
- Consider increasing your personal liability coverage. More than 1,000 drowning incidents occur each year, and thousands more injuries. Your current liability protection may not be enough to cover a lawsuit for death or permanent injuries.
- Think twice about putting in a diving board or pool slide. Your insurer may not cover your pool at all if you have a diving board or pool slide as these greatly increase the potential hazards.
- Drain and/or maintain your pool in the winter. Insurance coverage will rely upon proper procedures even during the months that the pool is not in use.
- Check to see that your pool is up to code because your insurance carrier won’t cover you if you fail to have proper safety standards.
Your Pool Safety Checklist
Speaking of pool safety, here are some things that you can do to make sure that your pool is as safe as can be:
- Enclose your pool with a fence that is at least 4 feet high and make sure the gate is securely locked
- Have accessible floatation devices available in case of emergency
- Do not allow unsupervised children
- Utilize a good pool safety cover
- Keep a first aid kit nearby
- Consider using a pool alarm for when the gate opens without your knowledge
- Store the pool’s chemicals in a secure area
Have More Questions About Your Pool Insurance? Get In Touch with Our Insurance Experts.
If you want to make sure that your pool and home are fully protected, then please get in touch with our insurance professionals. We can go over your policy to make sure that you have the best possible coverage.