Homeowners insurance is designed to protect homeowners from any liability that is associated with injuries of visitors, and any damage that is done to the property. If you have a swimming pool at your home, it is important to make sure you have the right homeowners insurance policy that provides coverage for any pool related accidents. While most insurance agencies will provide limited coverage for pools, some companies will exclude the pool from coverage. Since pools are considered a high-risk area, there are certain limitations that are put on the coverage. It is typical for insurance companies to only provide insurance for pools that meet certain requirements, including:
- The pool remains covered when it is not in use, and has a self-locking gate installed around the perimeter.
- The pool does not have a diving board or slide.
- The pool was originally installed by a professional.
If your pool does not meet these requirements, insurance companies can provide a limited amount of coverage, or exclude the pool from coverage all together. When it comes time to find the right homeowners insurance coverage, make sure to let your insurance company know that your home includes a pool. Anything that is not listed on the insurance policy will be automatically excluded, meaning there will be no coverage for any incidents involving the pool. If you are planning on building a pool at your home, make sure to contact your insurer beforehand. Some insurance agencies have strict rules about what type of pool they will cover. Make sure that your pool will be covered by your current insurance provider before starting the build. For all of your homeowners insurance policy needs in the Waukesha, Wisconsin area to ensure you are covered in any situation surrounding your backyard pool, contact Bob Wolfgram Agency, Inc. We can provide the most comprehensive insurance policies to fit into any lifestyle.