Insurance Coverage For Swimming Pools
Having a swimming pool or hot tub in your backyard is a big responsibility. Not only do you have to think about the cost to install & maintain the pool or hot tub, you have to think about the risks, city by-laws and having the proper insurance coverage.
Insurance Coverage For Swimming Pools
July 23, 2020
Having a swimming pool or hot tub in your backyard is a big responsibility. Not only do you have to think about the cost to install & maintain the pool or hot tub, you have to think about the risks, city by-laws and having the proper insurance coverage.
To provide some clarification, we asked our team of insurance professionals to answer some questions about owning & maintaining a pool.
Do I need insurance on a pool or hot tub?
Your pool or hot tub should be covered under your home insurance policy, however liability coverage should be extended in the event of personal injury.
Will a swimming pool raise my home insurance premiums?
Since liability coverage should be extended, there may be a small charge for this (depends on the insurer).
Are there any insurance requirements for owning a pool?
First and foremost, all city bylaws must be followed. You can usually find this information on city websites. These requirements can include but not be limited to; pool fence, hand railings, non slip concrete around the pool along with proximity to structures.
Does homeowners insurance cover pool leaks or the pool liners?
Homeowners insurance covers sudden and accident damage caused by such things as wind storms, fire, lighting or hail. Homeowners insurance would not extend to damage done over a period of time which can be considered as more of a maintenance issue.
Does homeowners insurance cover an above-ground or in- ground pool collapse?
On the basis that its sudden and accidental caused by an insured peril such as wind. This would not cover if the pool was at the end of its life expectancy and collapsed due to age or condition .
Still have questions about insurance coverage for swimming pools?
As your hometown broker, we are here to provide you with professional insurance advice. To provide you with peace of mind, give us a call at 1-855-385-4226, email us at [email protected] or text us at 289-802-1843. We will be happy to review your home insurance policy and discuss the insurance coverage you need when owning a swimming pool.
Get a quote today
Working with a broker guarantees your access to the best available insurance with the added benefit of personalized support. See for yourself and get a quote now.
related blogs
Read related blogs
Our blog is packed with the tips and tricks you want to read, and deserve to know.
Spring is a season of renewal, and for many, that means home renovations, road construction, and major infrastructure projects. Whether
As the weather warms up, more cyclists are hitting the streets, trails, and bike lanes. Whether you’re an avid cyclist
Winter may may be (almost) behind us, but spring introduces a fresh set of driving challenges. The roads you traveled
If you work in construction, you know that every project relies on a mix of professionals, from general contractors overseeing
Canada is undergoing a significant demographic shift. With the population aged 65 and older projected to nearly double by 2050,
When insuring your vehicle, it’s important to choose coverage that truly meets your needs. Two commonly misunderstood options are gap
