Does Homeowners Insurance Cover Pools? An FAQ  

Does Homeowners Insurance Cover Pools? An FAQ  

Homeowners insurance is a valuable resource that can help homeowners take care of their property and avoid financial liability for accidents and natural disasters. That said, many pool owners do not know whether their pool is covered under their homeowners insurance policy. Understanding how insurance claims for damage to pools works is important.

Does homeowners insurance cover pools?

A typical homeowners insurance policy will offer some basic coverage when it comes to pools. For example, most policies cover damage caused by fire, wind, hail, smoke, freezing pipes, explosion, riot, theft and vandalism. However, many homeowners insurance policies do not cover damage caused by deferred maintenance or maintenance problems, ground movement and normal wear and tear. For more information about insurance claims for damage to pools, contact your insurance agent.

Are certain types of swimming pools not covered?

Above ground pools are typically covered as personal property, while an in-ground pool is typically covered as a structure. However, pools that have slides or diving boards may not be covered at all, because slides and diving boards increase the risk of injury and accidents. Homeowners who have a slide or diving board should talk to their insurance company to find out if their pool is covered. Homeowners who are thinking about having one of these items installed should discuss it with their insurance company first.

What can you do to keep your pool safe and avoid personal injury claims?

There are many things you can do to keep your pool safer for you and other members of your family.

  1. Maintain the fence around your pool. Do not allow the fence round your pool to stay unlatched or broken so that anyone can enter your pool area without your knowledge.
  2. Ensure your pool has drain covers. Drain covers help prevent dangerous entrapment situations. If you’re not sure whether or not your pool has the proper drain covers, talk to your pool professional.
  3. Maintain firm rules for pool use. Establish rules for anyone who uses your pool, and communicate those rules to your children and visitors. To ensure that your children understand the rules, go over them regularly.
  4. Never allow anyone to swim alone. Swimming alone is dangerous. Always swim in pairs or groups to help keep people who use your pool safe.

Maintaining these rules can help you avoid personal injuries and accidents that can affect your insurance rates.

Contact Your Pool Professional for Pool Maintenance

At PoolWerx, we help homeowners maintain their pools and avoid costly damage. To set up a service or get started with regular pool service, contact us today at 1-888-215-9695.


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