When it comes to getting a pool, your priorities are usually about entertainment, relaxing and the fun times you will be having and not insurance. As fun as pools are, they come with responsibility and you have to take care of the serious matters before you can have fun. Once you decide to get a pool for your home your next step should be to check your home owner’s insurance policy and make sure you get the right coverage for your pool.
What Do You Need to Know About Pool Ownership and Insurance?
Home owner’s insurance is designed to cover two things; liability against people suing you and coverage for any damage that may occur to your home. Your pool is not considered to be part of your home and is separate like a shed for insurance purposes. Natural disasters may be covered when it comes to the pool but often freezing and any weather damage is not. You need to be sure you know exactly what is covered before you get the pool installed. This is the best way to protect yourself from being sued by anybody that may get injured and to protect your investment. It is best to enforce the highest safety measures to protect you and others as well as perform regular maintenance and upkeep. There are a few important things to consider when researching pool insurance coverage. Once you have decided to get a pool, you need to consider discussing the following questions with your insurance agent.
How much do your insurance payments increase by adding pool coverage? What amount of liability should you carry? Do you need to add any additional features for safety such as a pool fence in order to get insurance?
You also want to make sure the contractor building your pool has adequate insurance and licensing. In working with them you need to make sure all codes are followed, and permits are in place before building begins to avoid unnecessary costs or possible fines. Pools can bring you much enjoyment and great times so the last thing you want is to worry about insurance problems, damage or lawsuits. Be responsible, and once you deice to get a pool, make the insurance agent’s office your next step. Once you have the coverage in place, you can enjoy worry-free pool fun all season long.