Insuring A Backyard Pool 101

Backyard Pool & Homeowners Insurance Westminster CAEnsuring Your New Backyard Pool’s Safety

Before making the decision of adding a pool to your backyard oasis, it is important that you consider the insurance implications of your summer fun. Having a backyard pool will of course make your summer days more pleasant and enjoyable, but your new oasis can also leave you vulnerable to litigious harm. When it comes to a new backyard pool and homeowners insurance in Westminster, CA, it is important to realize that you will have increased liabilities to cover.

Backyard Pool & Homeowners Insurance in Westminster, CA

Adding a pool calls for an update in your homeowners insurance coverage. In fact, some insurers may even deny coverage for homeowners who choose to install a pool. This is because the liability risks are heightened when you own a pool. There are a few coverage updates you will need to make if you are considering installing a backyard pool, including:

  • Property Coverage – Your pool alters the property coverage portion of your homeowners insurance policy. This is because your pool may increase the value of your home. Additionally, you will need to increase the limits of your property coverage to account for possible accidents that may affect your pool. For example, if a tree fell on your pool and caused damage, you would need extra property coverage to cover the cost of removing the tree and repairing your pool.
  • Liability Coverage – The most prevalent concern associated with pool ownership is liability. Did you know that you can be held liable for accidents that happen in your pool, even if you did not grant permission to the individual who chose to take a dangerous dip? Since accidents in and around pools are extremely common, you will need to increase your liability limits to cover your assets.

Serving San Gabriel, Westminster, and surrounding California cities, contact Pulp Street Insurance Agency for all of your homeowners insurance needs. If you are considering installing a backyard pool this summer, please do not hesitate to give us a call in advance so that we can discuss your new coverage needs. The last thing you want is to invest in a pool only to find out that you will not be covered by your policy.

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