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The Luxury and Cost of Having A Home Pool

May 8, 2008
It's nearing summer, and in many parts of the U.S., summer is already here. With summer comes lemonade, cool breezes at night, picnics, and swimming. Swimming is especially a favorite of many children.

Yes, having a pool is great fun, but you must also consider the risks that go along with it. Will your insurance cover the pool if you have one? What if someone get seriously injured while visiting?

So you say you have liability insurance and that should take care of any potential problems with the pool? Well, it is time to come to reality and see that a standard liability policy will not cover these types of accidents.

Yes, insurance is good to have, and yes, it is good to have enough coverage. However, no amount of coverage will replace a lost life. I hate to be morbid here, but you can't discount the possibility of someone drowning in your pool. Let's take a look at some things outside of insurance you can do to protect yourself and others.

1. Don't let anyone use your pool without your permission. How is this done? Get a fence built around it. This is highly important and a step that many homeowners don't think about.

2. Do not let children use the pool without your supervision. Children are not experienced enough even when you think they are. They need someone their to help if something goes wrong.

3. Do not let anyone who has been drinking alcohol to enter your pool. This is just common sense, but it it too often ignored.

4. If you feel sick, don't use the pool. Swimming can make you feel worse, and you may have a difficult time getting in and out of the water.

Just as purchasing anything fun and big for your home is something that many people want to do, it is also something that should be taken seriously. Talk to your insurance agent and find out what kind of coverage you need and then take the proper precautions.
About the Author
Carrie Harris is an expert at homeowners insurance policies. Click here to find out more about how you can get an instant homeowners insurance quote
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