Will your insurance cover a pool project, Advanced Pool Care, contractors explain
There are many items that need to be considered when you are in the process of becoming a swimming pool owners. Did you consider, though, how or if, a pool project will impact your homeowner’s insurance? You will definitely want to talk with your insurance agent to make certain your homeowner’s policy will protect you. Some insurance companies exclude coverage for swimming pools; you need to know before you invest in a pool whether you will have insurance on your home and property. 
The swimming pool contractors from Advanced Pool Care suggest calling your insurance agent as part of the research you’re doing on a potential swimming pool construction project. When you’re speaking with your agent, he may recommend raising the liability limits to protect yourself in the event of an accident. If you discover your current insurance policy will not cover you if you invest in a swimming pool, you will find yourself having to shop for new coverage.
No one wants to think a friend or family member would sue them over a swimming pool (or any other) incident, but they may not have an option especially if faced with medical bills they cannot afford.
Will your insurance cover a pool project
Many homeowner’s insurance policies may put limits on the risks it will cover as it relates to the swimming pool. In some cases an insurance policy may provide coverage for the home, but exclude injuries caused by using the pool. Some insurance companies will cancel a policy outright if you get a swimming pool. Some homeowners find they will invest in an “umbrella insurance policy” — this is something you can ask your insurance agent about, but in a nutshell, it provides additional layers of coverage (starting at $1M) for specific items.
Checking in with your homeowner’s insurance agent will need to be part of your pre-pool construction phone calls and investigation. Talk with us to get any questions answered before you call your agent so you are prepared to discuss the project with them.
