Is My Swimming Pool Covered by Homeowners Insurance?

A good homeowners policy will provide coverage for your swimming pool in a couple of ways. Any damage to your swimming pool caused by any of the named perils in your homeowners insurance policy will be covered. Your policy will also cover any liability claims related to your pool. This includes any medical expenses incurred by an injured guest.

What Happens If My Swimming Pool Is Damaged?

Your homeowners insurance will cover damage to your pool as long as it results from a peril listed in your policy. Falling objects, fire, and storm damage are normally covered. If a storm blows through and knocks down a tree that ends up in your pool, your homeowners policy will take care of the damage. If you notice that your pool has been damaged by a peril that is covered by your homeowners insurance, you should file your claim as soon as possible.

What Type of Coverage Does My Pool Require?

The type of coverage you need for your pool will depend on several factors. An above-ground pool that isn’t secured is considered portable and will be covered by the “personal property” portion of your home insurance policy. When an above-ground pool is permanently secured in some way, it will be covered under the “other structures” portion of your policy. This will also apply to inground pools that are permanent and also more secure. Because most of the pool is underground, there is less risk of damage from storms or falling objects.

How Does Liability Coverage Work?

Liability coverage is a necessity if you have a swimming pool. Accidents can happen at any time, no matter how proactive you are. While it is important to do everything within your power to mitigate your risk and keep it as low as possible, if a visitor gets injured in your pool, having the right amount of liability insurance can be a lifesaver. Not only will it protect you financially, but it will also cover the medical expenses incurred by your guest.

Both above-ground pools and inground pools pose similar risks. You can minimize your liability risk by putting up a privacy fence around your backyard to prevent intruders from falling into the pool. For an above-ground pool, you can also consider raising the ladders or blocking access to the surrounding deck. If children can’t get next to the edge, it is less likely they will fall in.

Should I Buy Additional Coverage for My Swimming Pool?

If your home insurance does not provide adequate coverage, purchasing an umbrella policy will give you the extra coverage you need to feel financially secure.

When you have questions about your homeowners insurance policy, ask the professionals. Contact our agents at Family Financial Insurance Group to get started on your personalized homeowners insurance today.

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