clock July 7, 2014 comments No Comments flowchart Family & Home CareHomeowners InsuranceOur Blog tag ChildrenLiabilityProperty MaintenanceSafety

We have waited months for the warmer weather to arrive in Rhode Island! Now that it’s finally here, we can kick off our flip flops and jump into the pool!  But before you suit-up in your bikini and break out the pool noodles, check over these insurance considerations and safety tips, especially if you own a pool or are thinking of purchasing one.

PoolDid you know that most insurance companies require your pool or yard to be fully fenced? This can sometimes be puzzling to consumers because some towns don’t require a fence. However, if you choose not to enclose your pool or yard, you will end up paying substantially more for a homeowner’s insurance policy.

Did you know that a pool with a slide or a diving board is more difficult to insure than a pool without? So while these add-ons might be tempting (or your children might be begging for them), you should first find out if your insurance company will cover them. Many insurance companies won’t accept pools with diving boards or slides, and those that do may charge significantly more.

Did you know that having a pool on your property increases your liability exposure as a homeowner? We have all seen the headline too many times: “Child drowns in backyard pool.” Although we don’t wish this upon anyone, it happens.  Every year approximately 45,000 people are injured and nearly 300 people drown in backyard swimming pools. If someone is injured or killed as a result of using your pool, your home insurance policy provides liability protection to you as the owner of the property. The amount of coverage typically ranges from $300,000 to $500,000. For even more protection, you may want to think about purchasing an umbrella policy, which provides additional liability coverage.

Once you have made sure that you have the proper insurance policy to protect you from all sides of the pool, here are a few additional safety tips to consider for your backyard oasis!Pool1

  • We already mentioned having a fence around the yard or pool. A fence will not only help you get better home insurance rates, but it is also a great way to prevent people from using your pool without your knowledge.
  • Make sure the pool is gated and/or locked at all times.
  • Never leave small children unsupervised in or around the pool – even if it’s just for a minute.
  • Make sure you have a conversation with your children about the dangers of a pool. Your children should not let their friends use the pool without your permission and/or supervision.
  • For above-ground pools, check the metal supports for rust or deterioration. This may indicate areas where the pool could rupture or a person could be seriously injured.

If you have any questions regarding purchasing a house with an existing pool or adding a pool to your current backyard, Loiselle Insurance Agency will have all the answers! We quote with over 20 companies and we will find the right insurance policy for your summer needs! Fill out a quick quote online, or call us today at (401) 723-8510.



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