How Much Swimming Pool Coverage Do You Need?

From noodle wars to spontaneous Marco Polo matches, swimming pools are a great place for family fun in any backyard. But before you dive in to beat the heat, it’s important to make sure you’re properly protected. Ask yourself the following questions to make sure you have the right swimming pool coverage in place.

Does my homeowners insurance cover my swimming pool? A swimming pool, whether above ground or in-ground, is eligible for coverage as a “scheduled structure” or under “other structures blanket coverage.” In other words, because it is a detached structure, like a shed, it’s not covered under your homeowners policy unless you specifically add coverage for the swimming pool.

Should I get umbrella coverage for extra protection? In short, it’s a good idea. For homeowners with swimming pools, it’s highly recommended to get umbrella coverage, mainly because pools can pose bigger-than-usual risks compared to other places around the home. Reduce the risk of accidents at your pool by following these simple pool safety practices.

Does my insurance require a fence around the pool? Good question! The short answer is yes, American Family requires your pool to be enclosed by a gate in order for it to be eligible for insurance. Your agent can further explain exact requirements regarding fences for in-ground and above-ground pools. Keep in mind, most local laws generally require fences around pools, so you’ll need a fence regardless of insurance purposes.

Will my policy cover my pool if it has a slide or diving board? As long as they are in good working order, pools with slides and diving boards are eligible for coverage. But keep in mind that the diving board must have a non-skid surface and must meet the manufacturer requirements for depth, height from water and upslope.

What if someone is injured while using the pool without permission? If someone goes “pool hopping” and gets hurt using your pool without your permission, you’re likely not going to be responsible for that person’s medical bills. But, this could depend on whether you’ve followed local laws and have safety measures in place. Say your self-latching gate wasn’t working properly and a neighborhood kid wandered in and was injured. This is a different situation than a kid climbing a fence to access the pool and injuring themselves. So technically, in order for you to be liable, you would have been negligent in the first place.

Will my pool be covered if I don’t properly maintain it? Any damage to the pool as a result of neglect on your part, such as failure to properly service and maintain the pool, will not be covered by your policy. This is important to keep in mind if you have a pool at a vacation home or property that you’re not using every day.

Being proactive with your insurance protection is always a good idea. Check in with your American Family Insurance agent about finding the right swimming pool coverage for you, and swim safe knowing you’re protecting what matters most.


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Related Topics: Home Insurance