HOMEOWNERS – POOL SAFETY AND INSURANCE COVERAGE

As the summer heats up so does the chance of a pool related injury or accident. We all know that it is not uncommon to spend a lot more time working on and maintaining one’s pool than actually swimming in it. With that in mind, follow these important pool safety tips to keep your pool safe for children and anyone else that may be on your property.

In the recent news we have seen a few pool related incidents involving children and there are a few precautions you can take to minimize the probability that something like this will occur in your own pool, and to make sure that you are in accordance with the terms of your insurance policy.

  1. First, consider installing a fence around the actual pool itself, it may not be required for in ground pools as long as you have a fence around your yard, but for pools that are semi-in-ground this is not the case. Semi-in-ground pools must have a fence surrounding them and the gate must close on its own. Also, depending on where you live you may be required to have a fence around your yard and pool. Moreover, as a precaution as a homeowner you should consider installing a fence around your pool regardless of whether it is required or not.
  2. Second, you can install a pool alarm which is relatively cheap to purchase, it will sound an alarm if anyone is to fall or jump into the pool. Pool alarms are especially important to have if your pool is an in ground pool and is relatively close to your back door as small children can easily get to or fall into them.
  3. Lastly, if you are considering having a pool party you should also consider hiring a life guard as well. Hiring a life guard will ensure that at least one person is designated to watching the pool. This should reduce the chance of a pool related incident.

 

Most importantly, does your homeowners insurance cover your pool? Most, if not all, homeowners insurance policies exclude diving boards and slides, but some actually exclude the pool itself. With that in mind, if any claims were to occur involving a diving board, slide or even the pool, it will not be covered. Some insurance companies will also require you to remove these items in order to receive homeowners insurance. Don’t worry about your hottub, though, because they are included with your homeowner’s policy as long as they are covered and locked while they are not in use.

As always, I hope you gained some useful knowledge from everything above, and if you have any questions about whether or not your home is ready for the summer festivities, or anything else regarding your homeowners insurance, feel free to give us a call!

 

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