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How a Pool May Affect Your Homeowner's Insurance

Now that summer is unofficially here, many of us have pools on the mind. It’s easy to see why—a swimming pool is a great way to cool off and entertain friends, and it can even increase the value of your home. But how will a pool impact your homeowner’s policy? Before you decide to invest in a swimming pool, here are a few things to keep in mind.

  1. You May Have to Increase Your Insurance Coverage
    A swimming pool increases your exposure to risk. You could be liable if someone gets hurt in your pool or on your property, even if they weren’t invited. At the same time, a pool can increase the value of your property. Your homeowner’s insurance policy should reflect both the increased value and risk of a swimming pool, and you may decide to seek the added protection of an umbrella policy.
  2. Safety Measures are Required
    Your town, municipality, or insurance company may require things such as a fence, locked gate, and door alarm for your pool area.
  3. Pool Equipment and Accessories Increase the Value of Your Personal Belongings
    Make sure to include any pool-related items when calculating the value of your personal belongings, and double-check to be certain that your homeowner’s coverage is adequate.

Above all, be sure to ask specific questions about your policy. What sort of damaging events are covered? Is damage to the pump covered, too? Contact The Reis Group to learn more.