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Insuring a Home with an Inground Pool


Insuring a Home with an Inground Pool

Published July 24, 2023
Last Updated 4 months ago

Owning an inground pool can be a lot of fun, but it also comes with some added risks. That’s why it’s important to have the right homeowners insurance coverage in place.

In most cases, homeowners insurance will cover damage to your inground pool caused by covered perils, such as fire, lightning, hail, vandalism, and theft. However, there are a few things to keep in mind:

  • Your pool may not be covered under your standard homeowners insurance policy. In some cases, your insurer may consider your pool to be an “other structure,” and you’ll need to add it to your policy as a “scheduled structure.” This will increase your premium, but it will ensure that your pool is covered in the event of a loss.
  • You may need to increase your liability coverage. If someone is injured in your pool, your homeowners insurance will cover the cost of their medical expenses and other damages. However, if the injury is serious, your policy limits may not be enough. That’s why it’s a good idea to increase your liability coverage to a level that you’re comfortable with.
  • You may want to consider an umbrella policy. An umbrella policy is a type of supplemental insurance that provides additional liability coverage above and beyond what your homeowners insurance policy offers. This can be a good way to protect yourself in the event of a large liability claim.

In addition to homeowners insurance, there are a few other things you can do to protect your inground pool:

  • Install a fence around your pool. This will help to prevent children and pets from accessing the pool unsupervised.
  • Install a lock on your gate. Often insurance companies require not only for your pool to be fully fenced but for a lock to be installed on the gate.
  • Keep your pool clean and well-maintained. This will help to prevent accidents and damage.
  • Post safety signs around your pool. These signs will remind people to swim safely and to supervise children closely.

By taking these steps, you can help to protect your inground pool and your family from financial loss.

Here are some additional tips for insuring a home with an inground pool:

  • Shop around for quotes from different insurers. Not all insurers offer the same coverage, so it’s important to compare quotes before you buy a policy.
  • Ask about discounts. Some insurers offer discounts for things like safety features, such as fences and alarms.
  • Read your policy carefully. Make sure you understand what is and isn’t covered under your policy.
  • Keep your policy up-to-date. If you make any changes to your pool, such as adding a deck or a slide, be sure to update your policy accordingly.

By following these tips, you can ensure that your inground pool is properly insured and that you’re protected in the event of a loss.

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