Is your pool or spa properly insured?


Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

Know what is covered on your standard home insurance policy

A standard homeowner insurance policy will usually cover damage caused by a tear or breakage of your pool/spa, except when related to freezing or thawing, but it won’t cover the damage to your pool or spa. It’s important to read carefully the wording on your home insurance policy to confirm what limitations and exclusions are in place.

Specific coverage for your pool and spa

Since pools or spas both increase the insurable value of your property and the corresponding risk of a claim, make sure you have declared it to your insurer. An endorsement might be required to cover damages caused to pools and spas that are above ground and to their equipment. Before purchasing such an endorsement, find out what your pool is currently worth, as such equipment depreciates quickly. 

More property, more liability

Some insurers might consider your pool as part of your standard homeowners coverage, make sure you adjust the amount of insurance you have on your residence to factor in the replacement cost of your pool. Your liability coverage should also be revised, especially if you only have 1 million dollars of coverage. Bring it up to 2, for the extra dollars; peace of mind is well worth it.

Have fun and be responsible

That extra liability insurance could come in handy if children manage to break into your back yard and either hurt themselves or drown. Your insurer will of course handle your legal representation, but you should also do your part to minimize risk. Follow municipal safety regulations. Many require the installation of a fence. Failing to comply with these regulations can cause your premiums to increase drastically or the insurer might decide not to insure your property. 

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