A backyard pool can turn your home into a summer retreat, but it also raises important questions about insurance. Chief among them: Does my homeowners insurance coverage extend to pool-related accidents? The answer is, it depends. Your policy, the type of pool, and your liability limits all factor into what’s covered and what’s not. Before summer heats up, it’s a smart move to review your policy with a trusted local agent like E.J. O’Neil Insurance.
Does Homeowners Insurance Cover Pool Accidents?
Most homeowners insurance companies consider swimming pools either part of the home or classify them under “other structures,” such as sheds or detached garages. How your pool is categorized impacts what type of protection is included in your coverage.
Generally, homeowners insurance includes liability coverage that may apply to pool-related injuries, such as slips, dives gone wrong, or other accidents. However, that protection often comes with caveats:
- Safety features are essential: Failing to install a proper fence, lockable gate, or safety cover could lead to exclusions in your policy.
- Diving boards and slides: These features may increase the risk of injury and can sometimes be excluded from coverage altogether.
- Structural damage: In-ground pools may not be covered for damage from natural disasters or wear and tear unless specifically added as part of your policy’s dwelling or other structures coverage.
If you’re unsure how your pool is defined in your current policy, talk to an agent to avoid costly surprises later.
How Pool Ownership Affects Your Insurance Premium
So, does having a pool make your homeowners insurance go up? Typically, yes. Pools present a higher risk of injury, which increases your liability exposure. Because of the added risk exposure, many insurance companies may raise your premiums.
You might also be required to meet certain safety standards before coverage is approved or renewed. These often include:
- Installing a fence at least 4 feet high with a self-latching gate
- Using a pool alarm or safety cover
- Adhering to local regulations on diving board installation and use
- Providing safety equipment
Adding a pool can increase your annual premium by $50 to $75 or more, depending on your location, insurer, and pool features.
Stay Protected and Prepared With the Right Coverage
Having the right insurance coverage starts with understanding your current liability limits. Standard homeowners policies often include $100,000 in liability protection, but if you have a pool, you may want to increase that limit to at least $300,000 or more.
Here’s how to be proactive:
- Review your policy annually, especially if you’ve recently added a pool or updated your backyard.
- Consider an umbrella policy for added liability protection, which can extend coverage beyond your standard policy limits.
- Work with a local agency like E.J. O’Neil Insurance to tailor your plan to your specific home and pool setup. An experienced agent can help you identify coverage gaps and recommend appropriate adjustments.
For more ways to protect your home this season, check out our summer safety tips for your home and car.
Prepare for Summer Fun
A swimming pool can bring joy, exercise, and entertainment, but it also comes with extra responsibility. Before your first cannonball of the season, take time to ensure your homeowners insurance coverage reflects the reality of pool ownership.
Contact us today to review your policy and make sure your coverage is ready for whatever the summer brings.
About E.J. O’Neil Insurance Agency
Since 1898, E.J. O’Neil Insurance Agency has provided homeowners with reliable coverage and high-quality customer service. Today, we offer a variety of policies, including commercial, boat, automobile, homeowners, motorcycle, and renters insurance. Quotes are free by phone or online request, and we can provide notary and other services at our location. We pride ourselves on caring for customers when they need it most. To find the right coverage for your needs, call 413-594-4757 or visit us online at www.oneilinsurance.com.