By Joey Ahern

Can Swimming Pools Affect Your Homeowners Insurance Policy?

For many families, late spring is the time to clean up the swimming pool and get it ready for fun in the sun. Above-ground and in-ground swimming pools can be a concern for insurance companies due to the increased liability exposure. It is important to know that the owner of a pool is liable for anyone who uses it whether they have permission to or not.

We know you’ll want to enjoy your swimming pool with family and friends while also keeping them safe. Insurance underwriters are equally concerned about swimming pool safety at your home.

Keeping Your Swimming Pool Safe

  • • trampolines
  • • ponds, creeks or rivers
  • • junk or equipment on the premises
  • • Install a fence around the perimeter of the pool.
  • • Install a fence around your yard.
  • • Install an automatic safety cover.
  • • Install a self-locking gate.
  • • Post a sign for unsupervised children to stay out.
  • • Place life preservers or other life-saving equipment around the pool.
  • • Keep up regular maintenance of the pool and its surrounding area.

Contact Your Insurance Company or Agent If You Install a Swimming Pool

Checking Your Liability Limits