pool safety and homeowner's insurance plan | NJ

The Right Homeowner’s Insurance Plan and Pool Safety

A pool can turn your backyard into an oasis, add to the value of your home, and ensure your summers are never boring. There’s nothing like relaxing by the pool and enjoying a summer’s day, especially if friends and family can join you. But there are things to consider if you’re a pool owner. Safety is paramount poolside. So, you’ll have to be sure that you’re taking the proper precautions and have a good homeowner’s insurance plan.

Safety

Pools can be a great feature in any backyard, but they can also be a massive hassle for the homeowner. Not only is keeping a pool clean quite a task but making sure that people are safe while using the pool can be difficult. Properties that have pools on them are required to be fenced in if the pool is deeper than 18 inches. This is to help prevent people from entering your yard and falling into the pool, particularly children. Aside from having the appropriate fencing, it’s a good idea to make sure that you have some flotation devices for people who may not be able to swim. You also need to be vigilant while people are in the pool. People should also be told not to run around the pool or dive in shallow pools.

Liability

Aside from proper pool safety, you should make sure you have a homeowner’s insurance plan that covers your pool. The first reason for this is to prepare for possible accidents. Liability coverage is essential for anyone who has a pool. If someone is injured while in your pool, liability insurance will help cover the potential for paying for medical costs and legal costs that may be associated with an accident. You may want to increase liability insurance from the standard coverage just to give yourself peace of mind.

Damage

A decent homeowner’s insurance policy may also cover potential damages to your pool. For example, say a storm brings high winds that pick up the umbrella from your patio set. The wind and sends the umbrella flying into your above ground pool, tearing the side of the pool. The damage done to your pool will likely be covered by your homeowner’s insurance. That means you don’t have to spend a fortune in pool repairs and can get back to enjoying your summer, poolside.

The Right Homeowner’s Insurance Plan

If you’re interested in a homeowner’s insurance plan, ABCO can help you find a plan that suits you and your needs perfectly! Contact us today!

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