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Installing a Pool? Tell Your Insurance!

Real Estate Agent with HomeSmart 0561240

Installing a Pool? Tell Your Insurance!

Swimming pools can be a lot of fun. They give you a way to cool off during the summer, have fun with friends and family, and even get some low-impact exercise that feels more like play than work. Unfortunately, they can also be a hazard if you aren’t careful around them. As a result, your homeowner’s insurance company is going to want to know about that pool, since it creates a new point of liability.

If your home already had a pool when you bought it, your insurance company would have wanted to know about it when you first took out the policy. If you’re installing a new pool, you’re still going to have to tell them, and they’ll adjust your rate accordingly. Let’s take a look at pools and insurance to give you a better idea of how your insurance company sees your new pool and what you can do to keep those rates in check.

How Do Insurance Companies See Swimming Pools?

Swimming pools are classified as an “attractive nuisance” by insurance companies, meaning that they are potentially dangerous and have an appeal that could attract children and others to them. The attractive nature of a swimming pool creates a liability on your part, leaving you responsible for any injuries or other incidents that occur in relation to the pool. The large amount of water that they hold as well as work-heavy components such as filter pumps also subject pools to a lot of wear and tear, and failure to properly maintain a pool can actually cause insurance companies to deny claims that occurred because of a lack of regular maintenance.

It’s worth noting that insurance companies view above-ground pools differently than they do in-ground pools. Above-ground pools are considered personal property and usually classified as an “external structure”, while in-ground pools are generally viewed as a feature of the property. This can affect not only how your liability is calculated but also how your policy covers repairs for any damage that occurs to your pool.

When to Tell Your Insurance Company

For the most part, you aren’t required to tell your insurance company when you start to install a swimming pool. Instead, you’re required to inform them once the swimming pool is complete and before it’s put into service. This means that you don’t necessarily have to let your insurance company know as soon as you contact a pool installer, but you do have to let them know once installation is wrapping up and before you actually start using the pool.

The reason for this is that many pool installers have to schedule installations in advance, and in some cases may run into delays or other setbacks that cause them to reschedule. Depending on when you contract your installation, you could schedule it weeks or even months in advance of the pool actually being ready. It can be a good idea to let your insurance company know that you’re looking to install a pool in the future, but they won’t adjust your policy until the pool is in place and ready to start being used.

Safe Pool Installation

Reducing liability is an important part of pool ownership. This includes things like installing a fence around the pool, setting up monitors or alarms to let you know if anyone is around the pool without permission, and installing non-slip walkways or putting other safety measures into place around the pool’s perimeter. In some areas these are required by law, but they are still a good idea even if they aren’t legally required.

HomeKeepr can help you to find installers to set you up with the pool of your dreams, as well as the pool safety measures that will keep your friends and family safe. You can even look for insurance providers if you’re in the market for a new homeowner’s policy that will provide you with pool coverage. Creating an account is free, so sign up today to make your dreams of your own pool a reality.




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“YOUR Rock-Solid Choice Realtor for Making Home Sellers a Profit & Home Buyers Equity”

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Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Great reminder, Shayne... also when you get a dog... when you are selling your home and have moved out. All those things can impact your insurance coverage.

Jul 17, 2022 05:12 AM
Brian England
Ambrose Realty Management LLC - Gilbert, AZ
MBA, GRI, REALTOR® Real Estate in East Valley AZ

You will definitely need more insurance if you have a pool at your home, that opens up a lot more liability.

Jul 17, 2022 05:20 AM
Eric Bouler
Gardner Realtors, Licensed in La. - New Orleans, LA
Listening to your Needs

Happy Sunday talking about pools. Have a great year talking abbout things...

Jul 17, 2022 06:16 AM
Bill Salvatore - East Valley
Arizona Elite Properties - Chandler, AZ
Realtor - 602-999-0952 / em: golfArizona@cox.net

Thank you for the great information in your blog today to share with us here on the Rain.  Make it a terrific day! bill

Jul 17, 2022 06:40 AM
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

Shayne, we don't see many pools around here, we have a short summer.   Right now, every afternoon we get showers/thunderstorms.

Jul 17, 2022 06:48 AM
Kristin Johnston - REALTOR®
RE/MAX Platinum - Waukesha, WI
Giving Back With Each Home Sold!

Great information.   Thanks for sharing and enjoy your day!

Jul 17, 2022 07:38 AM
Wayne Martin
Wayne M Martin - Oswego, IL
Real Estate Broker - Retired

Good.morning Shayne. When I lived in Florid had a pool and my son was young, in addition to my homeowners, had a separate general liability policy. Never necessary but better safe than sorry. Enjoy your day.

Jul 17, 2022 08:29 AM