Is Your Backyard Pool Covered by Your Homeowners Policy?

Your swimming pool is one of those prized possessions that you love to have on your property but are hesitant when it comes to paying for any pool-related damage or liability. The good news is that many basic home insurance policies do offer at least some coverage for swimming pools. Finding out more about the extent of coverage you have and whether or not you need an additional policy is important. Talking to the experts will help you get the right amount of coverage at affordable rates so that you are always fully protected.

Damage to Your Pool

Your homeowners policy will cover accidental damage to your pool. A tree falling into your pool or a storm that results in debris being thrown into your pool will more than likely be covered. However, what won’t be covered is damage caused when you fail to drain your pool properly before winter or do not perform regular maintenance on your filtration system.

Do Different Types of Pool Require Different Coverage?

Inground pools and permanently installed above-ground pools are normally covered by homeowners insurance. However, portable above-ground pools will not be covered. Instead, a portable pool will be covered by personal property coverage. Knowing the type of pool you have will give you a good idea of the best way to protect yourself from potential liability or damage claims.

Liability Coverage

In most cases, your pool will be covered by the liability portion of your homeowners coverage. Any type of pool will increase your risk of someone getting injured on your property. You can mitigate your risk by installing a privacy fence around your backyard. While it won’t eliminate your risk completely, it will cut it down quite a bit. Liability coverage will protect you from all types of accidents, including slip and fall accidents.

Should I Buy Extra Insurance for My Swimming Pool?

Having a swimming pool may pose more than just the traditional level of risk. You may want to consider purchasing additional coverage to ensure that you are fully protected if someone is injured while using your pool.

Contact our experts at Gant Insurance Agency today to make sure you have the right amount of coverage. We will review your existing homeowners insurance policy and make sure that everything is in good shape!