Pool Paradise or Premium Pain? The Splashing Truth About Pool Insurance

Pool Paradise or Premium Pain? The Splashing Truth About Pool Insurance

Thinking of transforming your backyard into a sparkling oasis? Hold on! While a pool can bring endless summer fun, it can also send your homeowners’ insurance rates on a one-way trip to Splash Mountain.

Here’s the deal: insurance companies see pools as “attractive nuisances.” This means they’re magnets for, well, anyone who wants to take a dip, including those unwelcome guests. Since you’re responsible for everyone’s safety in your pool, the liability risk goes up, and so do your premiums.

Fenced In and Covered Up: The Insurance Must-Haves

If you’re already picturing insurance agents fleeing at the sight of your pool, fear not! Most companies will cover homes with pools, but there are catches. First, a locked fence is practically mandatory. It’s your first line of defense against unauthorized swimming, and some companies might deny coverage altogether without one.

Another thing to consider is pool coverage itself. An in-ground pool can increase your home’s replacement cost, leading to higher premiums. Above-ground pools are treated differently – they’re considered “portable” like a jet ski, so they’re covered under your personal property coverage.

Liability Limits: Don’t Get Caught Shallow

Speaking of coverage, the standard $100,000 liability limit on most homeowners’ policies might not be enough with a pool. A pool-related injury lawsuit could leave you financially wading in deep water. Many pool-owning homeowners opt to increase their liability coverage to $500,000 or more for greater peace of mind.

The Bottom Line: Pool Perfect Insurance

So, can you have your pool paradise and affordable insurance too? Absolutely! Here’s a quick recap of why pools affect premiums:

  • Attractive Nuisance: Increased liability risk means higher premiums.
  • Replacement Value: Pools can add to your home’s value, raising coverage costs.
  • Liability Limits: Many pool owners choose higher coverage for better protection.

The good news? Our independent insurance agents can be your pool party planning partners! They have access to multiple insurance companies, some of which might offer competitive rates for homes with pools.

Contact us today! Let’s help you find the perfect pool insurance coverage, so you can spend less time worrying about premiums and more time making poolside memories.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Search All Blogs

Generic filters

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters

Read More Blogs

Your Car Knows What? The Surprising Data Your Vehicle Collects About You

Before you trade in your car, learn about the personal data it holds and how to protect your privacy.

Understanding Your Home Insurance Rates: 5 Key Factors

Location, value, age, and more: discover the five factors that directly impact your home insurance rates.

A Trip Down Memory Lane with ‘Happy Days’

From The Fonz to “jumping the shark,” revisit the classic TV show that defined a generation.

Economic Indicators: What Fast-Growing Industries Tell Us

A look at the fastest-growing industries reveals what’s driving today’s economy and our priorities as a society.

Whole Life Insurance: Is it a Worthwhile Investment?

Confused about whole life insurance as an investment? We break down the unique benefits beyond a simple payout.

More Than Just a Car: The Joys and Benefits of Owning a Classic Vehicle

Thinking of buying a classic car? Discover why it can be a great investment and a fulfilling hobby.

Flood Insurance 101: Separating Fact from Fiction

Don’t get caught unprepared. This guide answers your top questions about flood insurance.

Decoding the Past: The Origins Behind Common and Curious Sayings

Unlock the hidden stories behind everyday phrases and discover the surprising origins of familiar sayings.

Essential Foundations: Five Things Your Small Business Needs Today

Setting up for success? Here are five non-negotiable elements for your modern small business.

Confronting Your Fears: Practical Steps Towards a Fearless Life

Tired of being held back by fear? Discover actionable techniques to confront and conquer your anxieties.