Does a Pool Affect Your Homeowners Insurance?
Pools may be fun, but they can have some unwanted effects and consequences on your homeowners insurance policy.
If you are thinking about adding or building a pool in your backyard, we highly recommend that you first contact your homeowners insurance company. While pools are fun and can change the atmosphere of your yard, they also pose a risk for homeowner insurance companies to insure. The owner of the pool is liable for anyone who uses it whether they have permission or not. Before you build that pool you’ve wanted to for years, be sure to contact your homeowners insurance company to see if pools are covered in your policy.
How It Affects Your Liability
Swimming pools are considered to be “attractive nuisances” in the insurance world. This thing is something that might attract a child and pose a risk to their well-being. The owner of a pool could very easily be sued by anyone who uses it whether they had permission in the first place or not.
The liability protection provided by your homeowners insurance covers pool-related incidents. This includes any medical expense or lawsuit as a result of a pool-related injury or death. Because it’s liability, it excludes the policyholder and other members of their house.
Policies usually include $100,000 of liability protection, but it’s recommended that one buy as much as $500,000 if they have a pool. You may be able to imagine a lawsuit for a drowned child could easily surpass the $100,000 of protection your house may already have. You can increase the limit of your personal liability coverage or even purchase an umbrella policy to give you added protection.
Getting the right insurance coverage shouldn’t be a task about which you have to worry, so contact Little & Sons Insurance Services. Our dedicated team can help you get the right homeowners insurance. We serve Banning, Beaumont, Calimesa, Redlands, and the surrounding California area and can help you protect yourself against the risks you face.