Are you considering putting in a pool? Do you currently have a pool, but find yourself wondering if your insurance policy provides you with the sufficient amount of coverage you need? If you answered yes to either, it is important you consider the following in order to help ensure your pool and your family are protected, making swim time safe and secure for all.
Check your local pool laws. Since laws can vary by town and county, you must check to see if what you are adding to your property, such as a pool, requires any permits. It is critical that you adhere to any of your local codes as well. Some laws will also require that a fence and/or a deck must be installed as well around your pool area.
Contact your insurance agent. A pool increases your liability risk, which means it is a must that you report your pool to your insurance company in order to add the proper coverage. If your homeowner’s insurance policy has the minimum amount of liability coverage, then you may want to increase your liability amount. You may also wish to invest in replacement coverage, which will cover your personal property, such as your pool, in the event your pool and other outdoor items are damaged by a storm.
Practice the proper pool safety rules. By taking some of the following precautions, you can help to prevent any injuries or emergencies that can occur when owning a pool, ensuring the safety of all who use it.
- Install a pool fence. A fence can be beneficial in keeping small children from dangerous situations or unsupervised explorations of your pool. Since drownings are an ongoing issue across the country, it is critical to ensure this doesn’t happen in your backyard.
- Clear hazardous materials. From pool toys and glass containers, to radios and other electrical devices, these items can be dangerous if not properly stored. Be sure to keep these items clear of the pool area, or safely stored in the appropriate containers when not in use.
- Be prepared. Keeping a first aid kit and life saving buoy and learning water rescue techniques and CPR are all important in ensuring you are prepared for an emergency. It is also a good idea to ensure your guests know how to swim before entering your pool, or are wearing some sort of flotation device before entering the pool.
- Prevent slips and falls. Use nonslip surfaces around your pool area, especially on the deck directly around the pool and on the diving board. This will help to prevent serious injuries from slips or falls.
If you need help ensuring your pool and personal property is covered, contact Brazelton Insurance Group today.