If you currently have a backyard swimming pool or are thinking about adding one, you know how fun and inviting they can be. Days spent in the sunshine, splashing around with family and friends.
Swimming pools can bring a lot of joy and fun to your life, but one thing that can quickly make a pool go from a dream come true to a nightmare isn’t having it properly insured.
How do I Insure my Swimming Pool?
Insurance is a big part of owning and maintaining a swimming pool and should be a consideration before you even install one. Many people might be surprised to find out that you actually insure your pool with your homeowners insurance.
Needless to say, for that reason, if you have a swimming pool or install one in the future it will affect the overall price to your homeowners insurance.
Having proper insurance on your pool, however, is worth the extra cost and can protect you from accidents that could occur.
Property Damage and Liability Coverage for Your Pool
So you may be wondering. How will my homeowners insurance cover my pool?
There are two types of coverage that will apply to your backyard swimming pool. The first is property damage. This will help cover your losses should a tree fall and ruin the structure of your pool or your property and pool get damaged. Unforeseen property damage that affects your pool will be covered just as your home is covered for these incidents.
The second type of coverage is liability. This is important with a pool as swimming pools introduce greater risk of injury. Liability insurance will help cover you should someone get hurt on your property or in your pool.
Luckily, there are a number safety tips you can be aware of and practice to help keep everyone safe and prevent you from ever needing to use that liability coverage.
Pool Safety Tips:
- Never leave a child alone
- Fence in your pool
- Keep the water clean and clear
- No diving or jumping in shallow water or by the pool walls
- Know CPR
- Teach your kids how to swim
- HAVE FUN!
Adding a pool to your backyard can be a wonderful way to make lifelong memories and ensure family fun all summer long. Taking the necessary precautions, including having the right home insurance coverage in Springfield, Ohio will help keep everything protected and cannonballing for years to come!