Will Anyone Insure My Home If I Have No Fence Around My Pool?

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A pool bring extra responsibilities for the homeowner.
A pool bring extra responsibilities for the homeowner. (Image: Polka Dot Images/Polka Dot/Getty Images)

A swimming pool can be a wonderful amenity for a home, but it’s also a proven risk. In 2008 there were 70,000 injuries in the U.S. due to backyard pools. If your pool has no fence, you may find insurers are wary of giving you coverage or will charge you more. Make sure that you are upfront with your insurer about your pool and the safety measures in place surrounding it.

Disclosure

When you are buying homeowner's insurance, talk to your agent about the pool and find out what terms you will be offered. If you fail to mention that your home has a pool, or that the pool has no fence, you could void your whole policy if this is subsequently discovered by your insurer.

Endorsement

If you find that the pool is not covered by insurance or is specifically excluded under your regular policy, you may be able to purchase an additional endorsement to the coverage that specifically deals with the pool. You may find that this differs depending on which area of the country you are in. If you live in the south or southwest where backyard pools are common, you will have less trouble that in the northeast.

Additional Costs

Ask about the additional cost to your policy of insuring your pool with or without a fence. Then get quotes for installing a fence to the insurance company’s specifications. Compare the costs before making your decision. You may find that the pool fence will pay for itself in a few years. You should also consider your personal responsibilities, and about the potential costs of a liability lawsuit if someone were to injure himself in your pool area.

Local Bylaws

Check with your local municipal authorities about their regulations regarding pools. Many communities regard pools as an “attractive nuisance” – in other words, a dangerous item likely to attract children and other trespassers who may then hurt themselves. You may find that your town requires you to have a pool fence or face legal sanctions.

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