Swimming Pools and Home Insurance: What You Should Know
How a Swimming Pool Affects Your Homeowners Insurance
For most of us, there’s nothing quite like taking a dip in the backyard swimming pool. There’s no need to fight off tourists for sun loungers and drive in a hot car to the nearest community pool. Heading to the backyard to cool off in the pool is one of the ultimate dreams for many Americans. But before you decide to take the plunge and install a pool, you should know how it affects your homeowners insurance in Calimesa, CA.
Insurance Cover for Above-Ground and In-Ground Pools
Homeowners insurance coverage that applies to the pool depends if you have an above-ground or in-ground pool. Typically, an above-ground pool is in personal property coverage because it can be disassembled and is portable. An in-ground pool may be considered an external structure, and so generally requires additional coverage. The logic on that is that it can’t be removed easily from the property if need be.
What Does Insurance for Swimming Pools Cover?
Homeowners insurance helps to protect the pool in case of damage from fire, wind, hurricane, or theft. However, every policy has its limits. Damage from earthquakes, general wear and tear, and lack of proper maintenance is often excluded from policies.
What homeowners should also note is that having a pool in the backyard increase their liability risk. Your homeowners insurance will cover some liability coverage, but due to your increased risk, you may need to add more coverage to protect yourself. You may be held responsible for kids’ and trespassers’’ injuries if they use your pool.
If you are planning on adding a pool to your backyard, be sure to discuss it with your insurance agent so that you understand where your insurance requirements lie. Are you ready to get started on the right homeowners insurance for your needs? Visit the team at Little & Sons Insurance Services to get started!