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Do You Own a Pool?

Owning a pool is a great way to cool off during the hot summer months, but it is important to understand the risks that come with it. Homeowners should take steps to help prevent accidents by adding extra safety precautions around their pool. They should also review their insurance coverage to better understand how liability coverage may apply if an accident occurs. 

Pool Safety Tips

Every year, thousands of hospital visits are linked to pool injuries, showing why pool safety is so important. Here are some tips to help prevent accidents and create a safe environment for anyone with a pool.

  • Install a pool fence – A fence that is at least 4 feet tall and can be locked helps prevent unauthorized access to your pool, reducing the risk of unsupervised swimming and possible drowning accidents. This is especially important for households with young children or pets. 
  • Use a safety pool cover – A safety pool cover can help protect the pool when it is not in use and may prevent someone from accidentally falling in. These covers add an extra layer of protection and can help reduce potential risks. 
  • Never leave children unsupervised – Adult supervision is crucial whenever children are near a pool. Drowning accidents can happen quickly, so it is important to always keep a close eye on young swimmers. 
  • Keep safety equipment nearby – Pool owners should have basic emergency equipment available, including a pool pole, a throwing ring buoy, a first aid kit, and access to a phone. 
  • Keep up with pool maintenance – Regular pool maintenance is important for preventing health hazards and reducing risk. Keeping the water clean, repairing damage, and making sure drain covers are secure and clear can help reduce injuries and liability claims. 

What to Know About Liability Coverage

  • Pools increase Liability Risk: Since owning a pool can increase the likelihood of injuries on your property, homeowners should ensure their policy provides enough liability protection in case any accidents occur.  
  • Guest injuries may be your responsibility: If a guest is injured while using your pool, you may be held financially responsible for any medical expenses. Even if the person was unauthorized to use your pool, you could still be legally responsible for their injuries. 
  • Tell your insurance company about your pool: Always inform your agent when you install a pool. They will advise you on what coverage is best to protect against any accidents that may occur. Failing to inform your provider could impact your coverage. 
  • Consider adding an umbrella Policy: If you want to add extra protection, a personal umbrella policy can provide extra liability coverage which acts as a safety net for serious accidents or injuries.   

Enjoy Your Pool with Confidence

 

If you own a pool or are thinking about adding one, talk with your insurance advisor to make sure your coverage aligns with your current needs and any changes you've made to your property.

 

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