How to Insure a Pool

Pools offer warm weather fun. A pool in the backyard is a dream come true to many homeowners. Fun in the sun comes with increased risk. Contact your home insurance agent to manage risks associated with swimming pools. Practice pool safety and purchase adequate insurance and dive into your pool for years to come.

Instructions

Difficulty: Moderate

Things You’ll Need:

• Homeowner's policy

1. Explore pool insurance issues before you break ground or purchase a new pool. Contact your insurance agent to discuss insuring a pool. Ask if a fence is necessary for you to insure the pool. Ask for advice on other ways to reduce insurance costs before beginning construction. Incorporate any cost saving suggestions into your pool construction design plans.
2. Contact local government officials and ask what permits are required when installing a pool. Ask if local laws impose any special requirements, such as a fence, for homeowners in your area. Include all special requirements in your design plans.
3. Hire a pool contractor and ask for proof of Builders Insurance or other liability coverage before construction begins. File for all applicable pool construction permits.
4. Read your homeowner's insurance policy. Pools are covered under the "Other Structures" provision. Determine total coverage for all "other structures" on your property. Increase your policy coverage if your separate structures and your pool are valued at more than your home insurance policy covers.
5. Review your existing homeowner's policy and existing umbrella policies. Determine your total liability coverage. Contact your insurance agent and ask for quotes on increased liability coverage. Realize swimming pools increase the risk for injuries and resulting liability lawsuits. Manage this risk by purchasing adequate liability insurance.
6. Practice home pool safety and prevent injuries from occurring. Insure your pool adequately from day one. Contact your insurance agent during the planning stages of your new pool. Enjoy your pool in a safe manner and minimize the risks of pool ownership.

Tips & Warnings

• Winter damage to a pool is not usually covered under most homeowner's policies.