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If your home has a pool or if you're considering having one installed, it's important to review your home insurance policy to make sure it is covered. Depending on the insurer, you might need to make adjustments or purchase additional coverage to best protect yourself. Below, Charles Adams Insurance Agency, a venerable broker in Ashland, KY, explains whether your homeowners policy covers your pool and discusses what is normally included.

Does Home insurance Cover Your Pool?

Applicable Coverage

The type of pool you have determines what portion of your policy covers it. Normally, in-ground pools are considered "Other Structures"—like a fence or outbuilding—while above ground pools are considered personal property—like furniture or appliances. This matters because each type of coverage may have different limits. Nevertheless, your policy should cover damages and liability.

Damages

home insurance in Ashland, KYHome insurance covers certain types of damage—fire, storm, falling objects, and vandalism— to your home and premises, including the pool. Thus, if a tree falls on and flattens your above ground pool, you're covered. However, damages caused by the ground expanding and contracting are normally excluded. So are preventable damages, like cracks caused by freezing water due to a failure to drain the pool for winter.

Liability

Perhaps even more important than damage coverage is liability. It pays for repairs and medical treatments if someone is injured or suffers property damage due to the pool. It also covers legal fees to defend a lawsuit arising out of an incident. However, for a claim to be valid, your policy may require you to have a locking gate and fence around the pool to prevent unauthorized entry. It may also not cover a slide or diving pool. Consult your agent to learn what restrictions and exclusions apply.

The information above should help you decide whether you have the right home insurance coverage as a pool owner. To discuss your options, contact Charles Adams Insurance Agency in Ashland, KY. They've been serving Boyd County residents and businesses for more than 100 years and also specialize in commercial, life, and auto insurance. Visit their website to view a map and business hours or call (606) 325-9709 to request an insurance quote.

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