Does Homeowners Insurance Cover Pools | American Family Insurance
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. Before you buy a home with an in-ground pool or add an above-ground pool to your backyard, ask yourself the following questions to make sure you have the right pool coverage.
does my homeowners insurance cover my pool?
A pool, whether above-ground or in-ground, is eligible for homeowners insurance coverage as a “scheduled structure” or under “other structures general coverage.” In other words, because it’s a separate structure, like a shed, it’s not covered by your homeowners policy unless you specifically add pool coverage.
Reading: What does pool insurance cover
what does pool insurance cover?
If you’re adding a pool to your home, you’ll need to let your insurance provider know, as they may not cover a claim if they don’t know about it. You will have liability coverage for injuries sustained due to the pool. Liability coverage helps cover bodily injury, medical expenses, and legal fees.
On the other hand, adding scheduled structures coverage to your homeowners policy gives you the added peace of mind that you’ll have financial protection to repair or replace your pool if the unexpected happens. When you add other structure coverage to your homeowners policy, your pool will be covered for the same types of damage that your home insurance policy covers. this includes things like weather events or vandalism.
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For example, if a windstorm caused a tree to fall into your pool or blew patio furniture into your pool and broke the liner, your homeowners policy can help cover the costs of repairing or replacing your pool. damage.
how much does pool insurance cost?
The cost of adding pool coverage to your home insurance policy is often affordable. your specific cost depends on several things, such as your location, limits, and insurance provider. Having insurance coverage for your pool is important to help protect you financially from the risks associated with it. Get a true estimate of your group coverage by connecting with your American Family insurance agent to see how much it would cost to add group insurance to your homeowners policy.
Should I get general liability coverage for my pool?
In short, adding general liability coverage for your group is a very good idea. For homeowners with swimming pools, getting umbrella coverage is highly recommended, primarily because swimming pools can present higher-than-usual risks compared to other places in the home. Adding general liability insurance provides liability coverage in addition to your homeowners policy limits for injuries that occur in or near your pool. Your agent can help you determine if adding umbrella insurance for your group is a good decision for you.
Reduce the risk of accidents in your pool by following these simple pool safety practices.
does my homeowners insurance require a fence around the pool?
american family requires that your pool be enclosed by a gate to be eligible for insurance coverage. Your agent can explain in more detail the exact requirements regarding in-ground and above-ground pool fencing. Keep in mind that most local laws generally require fencing around pools, so you’ll need a fence regardless of insurance purposes.
Will my insurance policy cover my pool if it has a slide or diving board?
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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 trampoline must have a non-slip surface and must meet the manufacturer’s requirements for depth, height from the water, and slope uphill.
what if someone gets injured while using the pool without permission?
If someone “jumps in the pool” and gets hurt using your pool without your permission, you probably won’t be responsible for that person’s medical bills. but this could depend on whether you have followed local laws and have security measures in place. If your self-closing gate wasn’t working properly and a neighborhood child walked in and was injured, you could be held liable because you were negligent in the first place. however, you cannot be held responsible if a child climbed a fence to access the pool and was injured.
Situations where you are legally responsible for other people’s injuries can be costly. Having liability insurance for your pool is a must if you don’t want to pay related costs such as medical bills or legal fees. If you install a pool, whether above ground or inground, let your insurance agent know!
Will my pool be covered if I don’t maintain it properly?
Any damage to the pool as a result of your negligence, such as failure to properly service and maintain the pool, will not be covered by your homeowners policy. This is important to keep in mind if you have a pool in a vacation home or property that you don’t use every day.
find the right insurance coverage for your pool
Being proactive with your insurance protection is always a good idea. Consult with your american family insurance agent to find the pool coverage that’s right for you, and swim safe knowing you’re protecting what matters most to you.