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March 27, 2023
Texas General Insurance

Does Having a Swimming Pool Increase Home Insurance?

Many considerations go into deciding to install a pool in your backyard. Besides the maintenance, installation and upkeep costs, you should also consider how it will affect your homeowners insurance policy.

How Does Owning a Swimming Pool Affect Homeowners Insurance?

Homeowners with a pool often see higher rates because owning a swimming pool increases your liability exposure by presenting the possibility of someone getting injured or drowning on your property. Swimming pools can also be considered an additional property that needs coverage, just like other free-standing structures in your yard.

Does Homeowners Insurance Cover Pools?

Homeowners insurance will typically help cover a swimming pool if it is damaged by a covered incident and can help pay for expenses if a guest is injured. Your insurance provider will be able to help you determine if you should consider increasing your coverage limits based on the value of the pool and its accessories, such as a deck or water slide.

Do I Need Extra Insurance for a Pool?

Talk to your insurance agent to find out if you could benefit from extra coverage. If you want added protection, consider purchasing a personal umbrella policy. An umbrella policy helps provide liability coverage above the limits of your homeowners policy. It will kick in when you’ve exhausted the underlying insurance amount of your homeowners policy. A qualified insurance provider can help ensure you have adequate protection for any incident that could occur.

How to Reduce Risks When Owning a Pool

If you choose to own a pool, it the following safety precautions are essential to help reduce your risks:

  • Install a safety fence around the pool.
  • Supervise children when they are using the pool.
  • Ensure that everyone in your home knows how to swim.
  • Prepare for emergencies by keeping rescue equipment nearby.
  • Don’t allow intoxicated individuals to swim in the pool.
  • Learn CPR.
  • Enforce pool rules and make them clear to guests. This could include:
  • No pushing.
  • No running.
  • No diving.
  • Swim with a buddy.

Swimming Pool Insurance Quote in Sugar Land, TX

If you want to learn more about how owning a swimming pool impacts your homeowners insurance policy, contact Texas General Insurance. We are committed to helping you find the best coverage for your needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

Categories: Home Insurance

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