Pools and Homeowner’s Insurance

Do you have a pool in your backyard?

From an insurance point of view, be sure your insurance agent knows about it and adds it to your policy. The coverage is very inexpensive and can save you costly attorney’s bills in the case of a problem.

Why is this important? If you think about it, one of the biggest liabilities a homeowner faces is from a pool. You are subject to claims resulting from someone slipping on the pool deck and getting hurt, hurting themselves diving in, and of course drowning. All of these scenarios create a situation for a major lawsuit and you want your insurance company, not you, to pay out as much as possible in that situation!

Each insurance carrier has their own set of rules and guidelines but some pretty common ones are listed below:

• Above ground pools need to have a removable ladder. Remove the ladder and store it away from the pool each night.
• Your yard must be fenced.
• For in-ground pools, the pool area must have a fence around it with a locking gate.
• Store pool chemicals out of reach of children and pets.

Enjoy your backyard and pool oasis with peace of mind! Give your agent a call and have a conversation. You’ll be glad you did.