How to Make Sure Your Homeowners Insurance is Armed and Ready For Your Swimming Pool

by Pool Builders on 06-11-2009 in Articles

There's no way around it. Temperatures are climbing, kids are out of school, and summer is officially here. What are you going to do this summer? More importantly, what tricks do you have up your sleeve to beat the heat when August comes rolling in? There's no better way to escape the blistering summer sun than to dive into your own backyard swimming pool, but before you go running out to buy the latest model on the market you need to make sure your homeowners insurance is armed and ready to go first.

Why Does Your Homeowners Insurance Need to Be Ready?

Many homeowners are going to look at this article and ask, "What does my homeowners insurance have to do with my swimming pool?" Think of it this way. If someone gets hurt swimming in your swimming pool, who do you think is going to be held liable for their medical bills (and any lawsuits they decide to throw your way)? Right. You. BUT, since you're a clever homeowner and bought a good home insurance policy when you bought your home, you can rest easy knowing that those bills will be covered under your homeowners liability coverage.

Since the homeowners insurance companies are going to be the ones footing the bill, however, they want to make sure that your pool is 100% insurable-and you want to make sure your coverage is strong enough to take care of any claims that come your way without leaving you and your checking account holding the bill for thousands of dollars past your maximum liability coverage.

How do You Make Your Homeowners Insurance Policy Pool Worthy?

The first thing you want to do to get your homeowners insurance policy ready for summer is raise your maximum liability coverage. You'd be surprised at how high the bills for swimming pool related injuries can go, and the last thing you want is to assume your insurance is going to be able to cover it all only to find out there are thousands of dollars left over.

When you call in to raise your liability levels you're going to want to make sure that they KNOW you're buying a swimming pool. If you don't bother to mention your pool you may have a very hard time convincing your homeowners insurance company to back you up if something goes wrong. For people living in the south, where temperatures regularly climb past 100 degrees Fahrenheit (in May) a backyard swimming pool is pretty common and shouldn't make much of an impact on your homeowners insurance rates. If you happen to live in, say, New York, where it can snow from October to May and the swimming pool season tends to be restricted to eight weeks a year, it could be a different story.

Keeping Your Insurance Rates Down

Adding a pool and raising your liability are going to affect your insurance premiums, but there are things you can do to keep your homeowners insurance down without saying good bye to your pool. Make sure your backyard is fenced in so prying eyes can't see the beautiful blue bliss of the water, and post "No Trespassing" signs in your front lawn. Have a professional install your pool, and make sure you it's covered when not in use.

Your swimming pool is a great place to hide from the blistering summer sun, and with a little preparation you can enjoy splishing and splashing this summer with the knowledge that your homeowners insurance provider is standing behind you every step of the way.

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