Insurance August 12, 2019

Residential pools increase insurance risk



CDC data states that summer months account for 65% of all drowning incidents. Residential pools present a significant risk to children and the liability ultimately falls on the homeowner. You and your guests should take an active role in preventing drowning related injuries. Here is a list, although not exhaustive, of things you should keep top-of-mind while guests are playing in/around a pool:

  • display rules/safety instructions and enforce them
  • learn basic water rescue skills
  • remove toys when not being used; and
  • keep your pool visible at all times when guests are present.

You also need to be aware of the levels of liability coverage on home insurance. If someone is injured on your property, your home insurance liability covers medical bills and civil settlements. Standard homeowner’s policies come with $100,000 liability, but that may not be enough when it comes to the increased risk a pool statistically presents. Many in the insurance industry recommend increasing liability coverage to $500,000 or more or an umbrella policy. Contact your insurance provider for guidance or let me know if I can help!

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