06/05/2026
It's pool time!!! Let us help you have a fun & safe summer.
1. Mandatory Safety Requirements: Insurance providers will generally require strict safety measures before they agree to cover a property with a pool:
Fencing: Insurers frequently require a minimum 4-foot fence that completely encloses the pool area.
Self-Latching Gates: Gates must be self-closing and self-latching.
Prohibited Features: Many carriers will deny coverage or raise premiums if your pool has a diving board or a slide, as these pose severe injury risks.
2. Liability Coverage (For Pool Accidents) Because the risk of slip-and-fall accidents, diving injuries, or drownings increases, your personal liability risk goes up.
Limits: Standard policies usually offer $100,000 in liability, but pool owners are widely recommended to boost their coverage limits to $300,000 to $500,000.
Umbrella Policy: For extra protection, many pool owners opt to purchase a separate umbrella insurance policy for broader coverage extending up to millions of dollars.
3. Property Coverage (For the Pool Itself) How your pool is covered in the event of damage depends on the type of pool you own: In-ground pools: Usually insured under "Other Structures" coverage (or sometimes dwelling coverage if structurally attached to the home). Above-ground pools: Often classified as "Personal Property" (Coverage C), which means pool equipment like vacuums, heaters, and covers may also be protected.
4. What is Typically Covered vs. Excluded Your insurance is designed to protect against sudden and accidental disasters, not regular maintenance. Covered: Damage from severe storms (wind, hail, fallen trees), vandalism, or lightning strikes. Not Covered: Standard wear and tear, liner cracks, rust, leaks, failure to winterize, and gradual deterioration. Standard flood or earthquake damage is also excluded.
Next Steps to Consider: If you are planning to install a pool or recently purchased a home with one, it is vital to contact your insurance agent to update your policy limits.
