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Is Your Pool Covered by Homeowners Insurance?

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Pools are a great way to get out, have fun and get some exercise, especially in the summer. But do you know if you have the right insurance coverage for your pool? There are two ways that your homeowners insurance may cover your pool.

  • If your pool is damaged by a covered event, then it may be covered by your homeowners insurance.
  • Homeowners insurance may also protect you from liability if someone is hurt in your pool.

Homeowners insurance can help pay for pool repairs if the damage is caused by a risk covered by your policy. For instance, if a fire or a really bad storm damages your pool, it may be covered under your policy and up to the limit stated on your policy. Remember that your pool freezing is not covered under a homeowners policy, so make sure to drain your pool if you live in a cold climate.

Types of Homeowners Pool Coverage
There are two types of coverage for your pool and they are contingent upon what type of pool you have. Other structures coverage under a homeowners policy typically covers in-ground and permanently installed above-ground pools. Personal property coverage on the other hand typically covers above-ground pools that can be transported. Talk to your agent to determine which coverage options you need based on the type of pool it is, any accessories that you may have and replacement cost.

Pool Liability Coverage Under Your Homeowners Policy
If you have a pool on your property, it is imperative to understand the liability coverage under your homeowners policy. If you have a guest over and that guest is injured in any way at your pool, you could potentially be liable for medical and legal expenses from that injury. Your homeowners policy may already carry liability coverage, but due to the increased liability risks associated with pools, you may want to speak with your agent about increasing your coverage.

In order to lessen the chance of an accident occurring at your pool, you may want to look into installing some safety features. For example, placing a fence around your pool may help prevent an accidental fall into the pool or unwanted guests entering your pool. If you have an above-ground pool, when the pool is not in use, you may want to remove the ladder or steps used to get into the pool. Check out your local laws regarding pools to make sure that your pool is up to code.

Extra Pool Coverage
If you have a pool, it is smart to consider adding a personal umbrella policy. Umbrella policies pick up where your homeowners policies end with coverage. Umbrella policies provide extra coverage when you have exhausted the liability portion of coverage under your homeowners policy. Since pools pose a greater risk than most of the home, it is recommended to invest in an umbrella policy in the event that someone is injured in your pool. Check with your agent to see if you should consider an umbrella policy.

If you are thinking about buying a house that has a pool or you are considering installing a pool, be sure to let your agent know so they can help you determine if you have the right amount of protection.

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