What a Pool Means for Your Homeowners Insurance

Home with Pool and Hot Tub at SunsetHomeowners Insurance and Pools

With the weather warming up for summer, it is the best time to start thinking of installing a pool in your backyard to help stay cool. Before you start floating on the clear water with a bubbly beverage, it is important to make sure that you protect yourself with the right insurance policy.

While pools can mean tons of family fun, they also come with lots of risks. No matter if it is an above ground pool, or your dream pool complete with a slide and waterfall, all pools can be a source of serious danger. Before you install a pool in your backyard, keep these tips in mind.

  • Talk with your municipality – each town has a separate definition of exactly what constitutes a pool, which often has to do with the depth and the size. If you are building a pool that meets the definition of your city, you will have to comply with the building codes and local safety standards, which can include locks, fences, and safety equipment.
  • Call your insurance company – before you start digging, make sure to contact your insurance agent. A pool will increase your liability risk, which means that you will have to increase your insurance coverage. Insurance companies consider pools an attractive nuisance, which means that you will have to raise your liability limits. You may also want to consider investing in a personal umbrella policy, which will provide even more liability coverage than what is provided by your existing homeowners insurance policy.

When thinking of installing a pool in your backyard, contact the insurance professionals at Desert Empire Insurance in Palm Desert, California. We will work with you to make sure that you have the protection that you deserve, all at the right price to fit your budget.