A swimming pool installation can provide you with your own personal oasis and the perfect place to entertain family and friends next summer. However, along with all of the fun of having a backyard pool comes a great deal of responsibility. It’s important to take extra precautions to make your pool area as safe as possible and ensure you have adequate insurance to protect yourself. Below are a few coverage considerations to think about when adding a pool to your property.

What Additional Coverage Do You Need With a Pool?

Homeowners insurance typically covers damage to pools due to such events as fire, inclement weather, and falling objects. Since a swimming pool installation will increase the value of your home, it’s essential to modify your policy to account for the higher replacement cost. Additionally, standard policies include liability coverage to protect against any accidents that occur on your property. However, your limits may not be sufficient to take care of all the medical and legal expenses associated with pool injuries. For this reason, it’s recommended that pool owners invest in an umbrella policy, which will provide much higher coverage limits. If a claim exceeds your regular limits, the umbrella policy will kick in to cover the rest.

How Can You Reduce Premium Costs? 

Because you need more insurance coverage after a swimming pool installation, you can expect your rates to rise. Fortunately, there are several safety measures you can take to help offset the extra cost and ensure you’re getting the best deal. Insurers will often offer lower premiums for putting durable fencing and locks around the pool, installing a safety cover, and using pool alarms that send a notification when someone enters the pool area. You may also be required to use pool drain covers to reduce the risk of entrapment and drowning.

Once you’ve secured the right insurance, contact Practical Pools & Ponds in Robertsdale, AL, to schedule your swimming pool installation. They can help you create a custom pool design that perfectly complements your landscape and personal style. For more than two decades, they’ve provided the residents of Baldwin County with a full range of high-quality pool services and supplies. Call (251) 945-4769 to request a job estimate, or visit them online to learn more about their offerings.