Having a pool in your yard leads to hours of family fun. However, they are vulnerable to disaster-related damage and present some liability risk. Homeowners who own pools should know the extent to which their insurance protects them in these events. The insurance agents at Crothers Insurance Agency in Rising Sun, MD, explain in detail what typical plans may or may not cover.

Are Swimming Pools Protected By Homeowners Insurance?

What’s Covered?

Most policies pay for damage caused by natural disasters up to the policyholder’s payout limit. These include fallen trees and fires. The type of pool you own has a bearing on the amount and type of protection. Generally, information about coverage for in-ground pools falls under the policy’s “other structures” provision, along with fences, garages. Information on above-ground pools applies to the “personal property” section. If the pool is stolen, vandalized, or damaged by a natural disaster, carriers will pay for the repair or replacement costs.

What’s Not Covered?

Swimming pools require ongoing maintenance to maintain their condition and will not cover damage caused by neglect. Most policies don’t pay for damage caused by frozen water, since it is the pool owner’s responsibility to drain it before winter.

Some plans include liability coverage in the event a guest sustains an injury in your pool. Your insurance agent can review the policy to determine what degree of liability protection it provides.

Is Additional Coverage Needed?

Though most homeowners insurance plans provide some coverage for the pool, insurance agents recommend obtaining umbrella coverage to supplement it. This product extends liability coverage for medical bills and lawsuits far beyond what standard homeowners policies provide.

Enjoy your pool knowing you have the right amount of protection against the unexpected. Let the team at Crothers Insurance Agency help you secure affordable and reliable coverage. The family-owned independent firm searches for the best rates from the nation’s top carriers. If you’re a pool owner but aren’t sure if your existing policy is sufficient, call (410) 658-5200 to review the terms. Visit the website for information on the agency’s insurance products.